# EDGAR Filing Document

**Accession Number:** 0001781495
**File Stem:** 0001104659-25-064105
**Filing Date:** 2025-6
**Character Count:** 5186406
**Document Hash:** ad4bceaa5972ff245e0a1015ab3b0325
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-064105.hdr.sgml**: 20250630

**ACCESSION NUMBER**: 0001104659-25-064105

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

**PUBLIC DOCUMENT COUNT**: 50

**CONFORMED PERIOD OF REPORT**: 20250630

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

**FILED AS OF DATE**: 20250630

**DATE AS OF CHANGE**: 20250630

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor, LLC
- **CENTRAL INDEX KEY:** 0001781495

**ORGANIZATION NAME:**
- **EIN:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604
- **FILM NUMBER:** 251091974

**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, LLC
- **CENTRAL INDEX KEY:** 0001781495

**ORGANIZATION NAME:**
- **EIN:** 842208933
- **STATE OF INCORPORATION:** DE
- **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, LLC
- **CENTRAL INDEX KEY:** 0001781495

**ORGANIZATION NAME:**
- **EIN:** 842208933
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04604

**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: 0001781495

&nbsp;&nbsp;**Verus Securitization Trust 2025-6**

(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

---

| |
|:---|
| Robert Konigsberg |
| (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](tm2518320d1_ex99-1.htm) [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2518320d1_ex99-1.htm)

[99.2](tm2518320d1_ex99-2.htm) [AMC Data Compare Report](tm2518320d1_ex99-2.htm)

[99.3](tm2518320d1_ex99-3.htm) [AMC Exception Grades](tm2518320d1_ex99-3.htm)

[99.4](tm2518320d1_ex99-4.htm) [AMC Rating Agency Grades](tm2518320d1_ex99-4.htm)

[99.5](tm2518320d1_ex99-5.htm) [AMC QM-ATR Diligence Report](tm2518320d1_ex99-5.htm)

[99.6](tm2518320d1_ex99-6.htm) [AMC Valuation Report](tm2518320d1_ex99-6.htm)

[99.7](tm2518320d1_ex99-7.htm) [AMC Supplemental Data](tm2518320d1_ex99-7.htm)

[99.8](tm2518320d1_ex99-8.htm) [AMC Tax and Title Report](tm2518320d1_ex99-8.htm)

[99.9](tm2518320d1_ex99-9.htm) [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2518320d1_ex99-9.htm)

[99.10](tm2518320d1_ex99-10.htm) [Canopy Exceptions Report](tm2518320d1_ex99-10.htm)

[99.11](tm2518320d1_ex99-11.htm) [Canopy Rating Agency Grades](tm2518320d1_ex99-11.htm)

[99.12](tm2518320d1_ex99-12.htm) [Canopy Data Compare](tm2518320d1_ex99-12.htm)

[99.13](tm2518320d1_ex99-13.htm) [Canopy ATR QM Report](tm2518320d1_ex99-13.htm)

[99.14](tm2518320d1_ex99-14.htm) [Canopy Valuation Report](tm2518320d1_ex99-14.htm)

[99.15](tm2518320d1_ex99-15.htm) [Clarifii LLC ("Clarifii") Executive Summary](tm2518320d1_ex99-15.htm)

[99.16](tm2518320d1_ex99-16.htm) [Clarifii Rating Agency Grades Detail Report](tm2518320d1_ex99-16.htm)

[99.17](tm2518320d1_ex99-17.htm) [Clarifii Rating Agency Grades Summary Report](tm2518320d1_ex99-17.htm)

[99.18](tm2518320d1_ex99-18.htm) [Clarifii Data Compare Report](tm2518320d1_ex99-18.htm)

[99.19](tm2518320d1_ex99-19.htm) [Clarifii ATR QM Report](tm2518320d1_ex99-19.htm)

[99.20](tm2518320d1_ex99-20.htm) [Clarifii Valuation Report](tm2518320d1_ex99-20.htm)

[99.21](tm2518320d1_ex99-21.htm) [Selene Diligence LLC ("Selene") Due Diligence Review Narrative](tm2518320d1_ex99-21.htm)

[99.22](tm2518320d1_ex99-22.htm) [Selene Rating Agency Grades Detail Report](tm2518320d1_ex99-22.htm)

[99.23](tm2518320d1_ex99-23.htm) [Selene Rating Agency Grades Report](tm2518320d1_ex99-23.htm)

[99.24](tm2518320d1_ex99-24.htm) [Selene Data Compare Report](tm2518320d1_ex99-24.htm)

[99.25](tm2518320d1_ex99-25.htm) [Selene ATR QM Detail](tm2518320d1_ex99-25.htm)

[99.26](tm2518320d1_ex99-26.htm) [Selene Valuations Report](tm2518320d1_ex99-26.htm)

[99.27](tm2518320d1_ex99-27.htm) [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm2518320d1_ex99-27.htm)

[99.28](tm2518320d1_ex99-28.htm) [Evolve Exception Detail](tm2518320d1_ex99-28.htm)

[99.29](tm2518320d1_ex99-29.htm) [Evolve Rating Agency Grades](tm2518320d1_ex99-29.htm)

[99.30](tm2518320d1_ex99-30.htm) [Evolve Data Compare](tm2518320d1_ex99-30.htm)

[99.31](tm2518320d1_ex99-31.htm) [Evolve QM ATR Data](tm2518320d1_ex99-31.htm)

[99.32](tm2518320d1_ex99-32.htm) [Evolve Valuation Report](tm2518320d1_ex99-32.htm)

[99.33](tm2518320d1_ex99-33.htm) [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2518320d1_ex99-33.htm)

[99.34](tm2518320d1_ex99-34.htm) [Clayton Conditions Report](tm2518320d1_ex99-34.htm)

[99.35](tm2518320d1_ex99-35.htm) [Clayton Loan Level Tape Compare Upload](tm2518320d1_ex99-35.htm)

[99.36](tm2518320d1_ex99-36.htm) [Clayton Non ATR QM Upload](tm2518320d1_ex99-36.htm)

[99.37](tm2518320d1_ex99-37.htm) [Clayton Rating Agency Grades Report](tm2518320d1_ex99-37.htm)

[99.38](tm2518320d1_ex99-38.htm) [Clayton Valuations Summary](tm2518320d1_ex99-38.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: June 30, 2025

---

| | | |
|:---|:---|:---|
| VMC ASSET DEPOSITOR, LLC | VMC ASSET DEPOSITOR, LLC | VMC ASSET DEPOSITOR, LLC |
| By: | /s/ Robert Konigsberg | /s/ Robert Konigsberg |
|  | Name: | Robert Konigsberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1**

**AMC DILIGENCE, LLC ("AMC") DUE DILIGENCE EXECUTIVE SUMMARY**

![](tm2518320d1_ex99-1img01.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 November 2024 through May 2025 on Loans with origination dates from July 2020 through May 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 three hundred sixty-four (364) Loans totaling an aggregate original principal balance of approximately $200.066 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), Moody's Investors Service, Inc ("Moody's") and S&P Global Ratings ("S&P").

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

---

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

1 \| P a g e

![](tm2518320d1_ex99-1img01.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 twenty-one (221) 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, ten (10) Loans utilized twenty-four (24) or more months of bank statements, ninety-seven (97) Loans utilized twelve (12) through twenty-three (23) months of bank statements, two (2) Loans utilized twenty-four (24) or more months of P&L income, and thirty-five (35) Loans utilized twelve (12) months of P&L income. There were six (6) 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 ten (10) Loans only having 12 months of income verification.

There were one hundred forty-three (143) Loans that were considered Business Purpose/Property Focused Investor Loans. All one hundred forty-three (143) Loans have a 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.

2 \| P a g e

![](tm2518320d1_ex99-1img01.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).

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![](tm2518320d1_ex99-1img01.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 |  |

---

**(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.

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

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

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

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> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <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;k) <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 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;&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;

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

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

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

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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);

▪ Underwriting summary / loan approval (1008);

▪ Credit report;

▪ Income and employment documentation;

▪ 4506T;

▪ Asset documentation;

▪ Sales contract;

▪ Hazard and/or flood insurance policies;

▪ Copy of note for any junior liens;

▪ Appraisal;

▪ Title/Preliminary Title;

▪ Final 1003;

▪ Changed circumstance documentation;

▪ Right of Rescission Disclosure;

▪ Mortgage/Deed of Trust;

▪ Note;

▪ Mortgage Insurance;

▪ Tangible Net Benefit Disclosure;

▪ Subordination Agreement;

▪ FACTA disclosures;

▪ Notice of Special Flood Hazards;

▪ Initial and final GFE's;

▪ HUD from sale of previous residence;

▪ Final HUD-1;

▪ Initial TIL;

▪ Final TIL;

▪ Loan Estimates;

▪ Closing Disclosures; and

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

**<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, Moody's and S&P.

**OVERALL REVIEW RESULTS SUMMARY**

All three hundred sixty-four (364) Loans (100%) reviewed under the applicable grading criteria, received an overall "A" or "B" grade.

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moody's and S&P Overall Loan Grades** | &nbsp;&nbsp;**Moody's and S&P Overall Loan Grades** | &nbsp;&nbsp;**Moody's and S&P Overall Loan Grades** |
| &nbsp;&nbsp;Final Loan Grade | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;182 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;182 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two hundred twenty-one (221) Loans reviewed for compliance, all two hundred twenty-one (221) Loans (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moody's and S&P Compliance Loan Grades** | &nbsp;&nbsp;**Moody's and S&P Compliance Loan Grades** | &nbsp;&nbsp;**Moody's and S&P Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;142 | &nbsp;&nbsp;64.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;79 | &nbsp;&nbsp;35.75% |
| &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;**221** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All three hundred sixty-four (364) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moody's and S&P Credit Loan Grades** | &nbsp;&nbsp;**Moody's and S&P Credit Loan Grades** | &nbsp;&nbsp;**Moody's and S&P Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;232 | &nbsp;&nbsp;63.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;132 | &nbsp;&nbsp;36.26% |
| &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;**364** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Three hundred twenty-one (321) Loans (100%) reviewed under the applicable Moody's grading criteria, received an "A" or "B" property grade. Forty-three (43) Loans under the applicable Moody's grading criteria, received a "N/A" due to second lien loans.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moody's Property Loan Grades** | &nbsp;&nbsp;**Moody's Property Loan Grades** | &nbsp;&nbsp;**Moody's Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;318 | &nbsp;&nbsp;87.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;43 | &nbsp;&nbsp;11.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** |

---

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All three hundred sixty-four (364) Loans (100%) reviewed under the applicable S&P's grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;361 | &nbsp;&nbsp;99.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.82% |
| &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;**364** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Other TILA Violations | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***140*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**140** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;95 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Collateral | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Legal / Regulatory / Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***186*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**186** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**329** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred sixty-four (364) Loans reviewed, three hundred fifty-one (351) unique Loans had one thousand two hundred fifty-seven (1,257) different tape discrepancies across thirty-two (32) 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;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;7 | &nbsp;&nbsp;362 | &nbsp;&nbsp;1.93% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;15 | &nbsp;&nbsp;328 | &nbsp;&nbsp;4.57% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;349 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;39 | &nbsp;&nbsp;341 | &nbsp;&nbsp;11.44% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;338 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;22 | &nbsp;&nbsp;274 | &nbsp;&nbsp;8.03% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;81 | &nbsp;&nbsp;364 | &nbsp;&nbsp;22.25% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;227 | &nbsp;&nbsp;0.44% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;186 | &nbsp;&nbsp;324 | &nbsp;&nbsp;57.41% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;132 | &nbsp;&nbsp;162 | &nbsp;&nbsp;81.48% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;14 | &nbsp;&nbsp;364 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;8 | &nbsp;&nbsp;208 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;169 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;43 | &nbsp;&nbsp;151 | &nbsp;&nbsp;28.48% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;345 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;17 | &nbsp;&nbsp;90 | &nbsp;&nbsp;18.89% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;6 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;88 | &nbsp;&nbsp;209 | &nbsp;&nbsp;42.11% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;341 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;17 | &nbsp;&nbsp;19 | &nbsp;&nbsp;89.47% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;23 | &nbsp;&nbsp;39.13% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;362 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;339 | &nbsp;&nbsp;4.72% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;324 | &nbsp;&nbsp;324 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;364 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;14 | &nbsp;&nbsp;364 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;343 | &nbsp;&nbsp;3.50% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;347 | &nbsp;&nbsp;0.29% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;1 | &nbsp;&nbsp;115 | &nbsp;&nbsp;0.87% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;102 | &nbsp;&nbsp;351 | &nbsp;&nbsp;29.06% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;362 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;162 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;30 | &nbsp;&nbsp;357 | &nbsp;&nbsp;8.40% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;364 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;23 | &nbsp;&nbsp;364 | &nbsp;&nbsp;6.32% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;20 | &nbsp;&nbsp;35.00% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;18 | &nbsp;&nbsp;364 | &nbsp;&nbsp;4.95% | &nbsp;&nbsp;364 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1257** | &nbsp;&nbsp;**10381** | &nbsp;&nbsp;**12.11%** | &nbsp;&nbsp;**364** |

---

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**SitusAMC TITLE REVIEW SUMMARY (4 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on four (4) 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 surrounding origination deed vesting concerns.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There
 are no potential issues surrounding delinquent property taxes.

&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;· There
 are 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 Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;347 | &nbsp;&nbsp;95.33% | &nbsp;&nbsp;$188638955.00 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;17 | &nbsp;&nbsp;4.67% | &nbsp;&nbsp;$11427218.00 | &nbsp;&nbsp;5.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$200066173.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;321 | &nbsp;&nbsp;88.19% | &nbsp;&nbsp;$189202057.00 | &nbsp;&nbsp;94.57% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;43 | &nbsp;&nbsp;11.81% | &nbsp;&nbsp;$10864116.00 | &nbsp;&nbsp;5.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$200066173.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;142 | &nbsp;&nbsp;39.01% | &nbsp;&nbsp;$66706492.00 | &nbsp;&nbsp;33.34% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;47 | &nbsp;&nbsp;12.91% | &nbsp;&nbsp;$27231145.00 | &nbsp;&nbsp;13.61% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;139 | &nbsp;&nbsp;38.19% | &nbsp;&nbsp;$82342769.00 | &nbsp;&nbsp;41.16% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;36 | &nbsp;&nbsp;9.89% | &nbsp;&nbsp;$23785767.00 | &nbsp;&nbsp;11.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$200066173.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% | &nbsp;&nbsp;$249000.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$996718.00 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;351 | &nbsp;&nbsp;96.43% | &nbsp;&nbsp;$193900032.00 | &nbsp;&nbsp;96.92% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$4920423.00 | &nbsp;&nbsp;2.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$200066173.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;188 | &nbsp;&nbsp;51.65% | &nbsp;&nbsp;$110493122.00 | &nbsp;&nbsp;55.23% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;24 | &nbsp;&nbsp;6.59% | &nbsp;&nbsp;$11160995.00 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$2819700.00 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$469900.00 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;96 | &nbsp;&nbsp;26.37% | &nbsp;&nbsp;$52959987.00 | &nbsp;&nbsp;26.47% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;$1577165.00 | &nbsp;&nbsp;0.79% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;25 | &nbsp;&nbsp;6.87% | &nbsp;&nbsp;$9268645.00 | &nbsp;&nbsp;4.63% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.20% | &nbsp;&nbsp;$6286365.00 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.37% | &nbsp;&nbsp;$3004044.00 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$1096250.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.27% | &nbsp;&nbsp;$930000.00 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$200066173.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;188 | &nbsp;&nbsp;51.65% | &nbsp;&nbsp;$127141604.00 | &nbsp;&nbsp;63.55% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;169 | &nbsp;&nbsp;46.43% | &nbsp;&nbsp;$68143395.00 | &nbsp;&nbsp;34.06% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;$4781174.00 | &nbsp;&nbsp;2.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**364** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$200066173.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC DATA COMPARE REPORT**

![](tm2518320d1_ex99-2img001.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 821380 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 821380 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 821380 | xxxxxx | Cash From Borrower | 0.00 | 151185.06 | Verified | Field value reflects source document |
| xxxxxx | 821380 | xxxxxx | Original HLTV | 0 | 72.21032 | Verified | Field value reflects source document |
| xxxxxx | 822018 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 822018 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 822018 | xxxxxx | Cash To Borrower | 379280.00 | 330883.19 | Verified | Field value reflects source document |
| xxxxxx | 822018 | xxxxxx | Original HLTV | 0 | 10.60923 | Verified | Field value reflects source document |
| xxxxxx | 822976 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 822976 | xxxxxx | Original Interest Rate | 6.75 | 6.625 | Verified | Field Value reflects the Note value |
| xxxxxx | 822976 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 822976 | xxxxxx | Cash To Borrower | 234000.00 | 236388.34 | Verified | Field value reflects source document |
| xxxxxx | 822976 | xxxxxx | Original CLTV | 60 | 63.84615 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 822976 | xxxxxx | Original LTV | 60 | 63.84615 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 822976 | xxxxxx | Original HLTV | 0 | 63.84615 | Verified | Field value reflects source document |
| xxxxxx | 823448 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 823448 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 823448 | xxxxxx | Cash To Borrower | 0.00 | 129.00 | Verified | Field value reflects source document |
| xxxxxx | 823448 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29 | 26.5716 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 823448 | xxxxxx | Original HLTV | 0 | 74.4086 | Verified | Field value reflects source document |
| xxxxxx | 824588 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 824588 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 824588 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 824588 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 824588 | xxxxxx | Interest Rate Life Cap | 7 | 6 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 824588 | xxxxxx | Cash To Borrower | 227000.00 | 210151.74 | Verified | Field value reflects source document |
| xxxxxx | 824588 | xxxxxx | Original HLTV | 0 | 65.7971 | Verified | Field value reflects source document |
| xxxxxx | 825549 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 825549 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 825549 | xxxxxx | Original CLTV | 100.00032 | 89.98991 | 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 | 825549 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.367 | 45.54742 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 825549 | xxxxxx | Original HLTV | 0 | 27.21009 | Verified | Field value reflects source document |
| xxxxxx | 825551 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 825551 | xxxxxx | Original CLTV | 100 | 90 | 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 | 825551 | xxxxxx | Original HLTV | 0 | 10 | Verified | Field value reflects source document |
| xxxxxx | 826694 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 826694 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 826694 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 826694 | xxxxxx | Representative FICO | 720 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 826694 | xxxxxx | Cash From Borrower | 0.00 | 240453.02 | Verified | Field value reflects source document |
| xxxxxx | 826694 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 826747 | xxxxxx | Cash To Borrower | 15101.55 | 16542.28 | Verified | Field value reflects source document |
| xxxxxx | 826747 | xxxxxx | Original HLTV | 0 | 16.25 | Verified | Field value reflects source document |
| xxxxxx | 827595 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 827595 | xxxxxx | Cash To Borrower | 142829.00 | 114046.33 | Verified | Field value reflects source document |
| xxxxxx | 827595 | xxxxxx | Original HLTV | 0 | 18.59649 | Verified | Field value reflects source document |
| xxxxxx | 827629 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 827629 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 827629 | xxxxxx | Cash From Borrower | 0.00 | 2792.66 | Verified | Field value reflects source document |
| xxxxxx | 827629 | xxxxxx | Original HLTV | 0 | 69.61634 | Verified | Field value reflects source document |
| xxxxxx | 828201 | xxxxxx | Original Term | 360 | 480 | Verified | Field Value reflects the Note value |
| xxxxxx | 828201 | xxxxxx | Amortization Term | 240 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 828201 | xxxxxx | Cash From Borrower | 0.00 | 7295.04 | Verified | Field value reflects source document |
| xxxxxx | 828201 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 828231 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 828231 | xxxxxx | Cash From Borrower | 0.00 | 276592.54 | Verified | Field value reflects source document |
| xxxxxx | 828231 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 828466 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 828466 | xxxxxx | Cash To Borrower | 0.00 | 1373.38 | Verified | Field value reflects source document |
| xxxxxx | 828466 | xxxxxx | Original HLTV | 0 | 34.85401 | Verified | Field value reflects source document |
| xxxxxx | 828633 | xxxxxx | Cash To Borrower | 77000.00 | 105082.12 | Verified | Field value reflects source document |
| xxxxxx | 828633 | xxxxxx | Original HLTV | 0 | 43.42105 | Verified | Field value reflects source document |
| xxxxxx | 828664 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 828664 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 828664 | xxxxxx | Cash From Borrower | 0.00 | 66455.59 | Verified | Field value reflects source document |
| xxxxxx | 828664 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 829009 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 829009 | xxxxxx | Cash To Borrower | 50000.00 | 177590.19 | Verified | Field value reflects source document |
| xxxxxx | 829009 | xxxxxx | Original HLTV | 0 | 58.03922 | Verified | Field value reflects source document |
| xxxxxx | 829100 | xxxxxx | Cash From Borrower | 0.00 | 369936.19 | Verified | Field value reflects source document |
| xxxxxx | 829100 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33 | 38.01957 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 829100 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 829112 | xxxxxx | Cash To Borrower | 100000.00 | 144644.69 | Verified | Field value reflects source document |
| xxxxxx | 829112 | xxxxxx | Original HLTV | 0 | 38.76765 | Verified | Field value reflects source document |
| xxxxxx | 829284 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 829284 | xxxxxx | Cash To Borrower | 295808.66 | 291840.10 | Verified | Field value reflects source document |
| xxxxxx | 829284 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.058 | 45.07897 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 829284 | xxxxxx | Original HLTV | 0 | 20.27027 | Verified | Field value reflects source document |
| xxxxxx | 829374 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 829374 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 829374 | xxxxxx | Property Type |  | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 829374 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 829374 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 829374 | xxxxxx | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 829374 | xxxxxx | Cash From Borrower | 0.00 | 185942.69 | Verified | Field value reflects source document |
| xxxxxx | 829374 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 829378 | xxxxxx | Representative FICO | 719 | 711 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 829378 | xxxxxx | Investor: Qualifying Housing Ratio | 21.772 | 16.82037 | Verified | Field value reflects source document |
| xxxxxx | 829523 | xxxxxx | Cash To Borrower | 200000.00 | 224777.03 | Verified | Field value reflects source document |
| xxxxxx | 829523 | xxxxxx | Original HLTV | 0 | 15.77598 | Verified | Field value reflects source document |
| xxxxxx | 829632 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 829632 | xxxxxx | Cash From Borrower | 0.00 | 69604.77 | Verified | Field value reflects source document |
| xxxxxx | 829632 | xxxxxx | Original HLTV | 0 | 84.99998 | Verified | Field value reflects source document |
| xxxxxx | 829726 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 829726 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 829726 | xxxxxx | Property Type | Condotel | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 829726 | xxxxxx | Original HLTV | 0 | 59.52381 | Verified | Field value reflects source document |
| xxxxxx | 829903 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 829903 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 829903 | xxxxxx | Cash To Borrower | 266559.00 | 214774.51 | Verified | Field value reflects source document |
| xxxxxx | 829903 | xxxxxx | Original CLTV | 79.78978 | 75.46626 | 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 | 829903 | xxxxxx | Original HLTV | 0 | 40.87591 | Verified | Field value reflects source document |
| xxxxxx | 829906 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 829906 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 829906 | xxxxxx | Representative FICO | 719 | 724 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 829906 | xxxxxx | Cash From Borrower | 0.00 | 191244.91 | Verified | Field value reflects source document |
| xxxxxx | 829906 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 830026 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 830026 | xxxxxx | Cash To Borrower | 35000.00 | 30502.42 | Verified | Field value reflects source document |
| xxxxxx | 830026 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.057 | 42.97081 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 830026 | xxxxxx | Original HLTV | 0 | 23.58491 | Verified | Field value reflects source document |
| xxxxxx | 830027 | xxxxxx | Cash From Borrower | 0.00 | 175638.79 | Verified | Field value reflects source document |
| xxxxxx | 830027 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.126 | 48.5543 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 830027 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 830112 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830112 | xxxxxx | Cash To Borrower | 175884.32 | 232207.48 | Verified | Field value reflects source document |
| xxxxxx | 830112 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.7 | 37.15579 | Verified | Audit income |
| xxxxxx | 830112 | xxxxxx | Original HLTV | 0 | 28.11765 | Verified | Field value reflects source document |
| xxxxxx | 830129 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830129 | xxxxxx | Cash To Borrower | 476533.88 | 460620.59 | Verified | Field value reflects source document |
| xxxxxx | 830129 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.92 | 46.3787 | Verified | The client elected to use Sch C income that was not used at origination. |
| xxxxxx | 830129 | xxxxxx | Original HLTV | 0 | 37.41036 | Verified | Field value reflects source document |
| xxxxxx | 830226 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 830226 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 830226 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 830226 | xxxxxx | Cash To Borrower | 280000.00 | 73200.82 | Verified | Field value reflects source document |
| xxxxxx | 830226 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.96 | 46.87248 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 830226 | xxxxxx | Original HLTV | 0 | 18.21192 | Verified | Field value reflects source document |
| xxxxxx | 830431 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 830431 | xxxxxx | Cash To Borrower | 0.00 | 190908.42 | Verified | Field value reflects source document |
| xxxxxx | 830431 | xxxxxx | Original CLTV | 73.54426 | 74.93323 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 830431 | xxxxxx | Original LTV | 21.2963 | 22.68519 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 830431 | xxxxxx | Original HLTV | 0 | 22.68519 | Verified | Field value reflects source document |
| xxxxxx | 830444 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830444 | xxxxxx | Representative FICO | 640 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 830448 | xxxxxx | Representative FICO | 734 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 830448 | xxxxxx | Cash From Borrower | 0.00 | 8967.02 | Verified | Field value reflects source document |
| xxxxxx | 830448 | xxxxxx | Original HLTV | 0 | 18.75 | Verified | Field value reflects source document |
| xxxxxx | 830513 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830513 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 830513 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 830513 | xxxxxx | Cash To Borrower | 500000.00 | 448150.22 | Verified | Field value reflects source document |
| xxxxxx | 830513 | xxxxxx | Original CLTV | 31.8463 | 28.57226 | 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 | 830513 | xxxxxx | Original LTV | 15.625 | 13.62319 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 830513 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.11 | 45.51308 | Verified | Audit DTI |
| xxxxxx | 830513 | xxxxxx | Original HLTV | 0 | 13.62319 | Verified | Field value reflects source document |
| xxxxxx | 830522 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 830522 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 830522 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 830522 | xxxxxx | Cash To Borrower | 80253.25 | 79334.74 | Verified | Field value reflects source document |
| xxxxxx | 830522 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.48 | 25.7723 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 830522 | xxxxxx | Original HLTV | 0 | 26.3125 | Verified | Field value reflects source document |
| xxxxxx | 830555 | xxxxxx | Cash To Borrower | 0.00 | 422.67 | Verified | Field value reflects source document |
| xxxxxx | 830555 | xxxxxx | Original HLTV | 0 | 12.74566 | Verified | Field value reflects source document |
| xxxxxx | 830644 | xxxxxx | Cash To Borrower | 125000.00 | 232772.21 | Verified | Field value reflects source document |
| xxxxxx | 830644 | xxxxxx | Original HLTV | 0 | 28.80351 | Verified | Field value reflects source document |
| xxxxxx | 830689 | xxxxxx | Cash From Borrower | 0.00 | 184368.93 | Verified | Field value reflects source document |
| xxxxxx | 830689 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 830693 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 830693 | xxxxxx | Representative FICO | 686 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 830693 | xxxxxx | Cash To Borrower | 1000.00 | 111741.82 | Verified | Field value reflects source document |
| xxxxxx | 830693 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.63 | 41.00085 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 830693 | xxxxxx | Original HLTV | 0 | 17.49198 | Verified | Field value reflects source document |
| xxxxxx | 830736 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Per title report |
| xxxxxx | 830736 | xxxxxx | Cash To Borrower | 25517.49 | 25875.03 | Verified | Field value reflects source document |
| xxxxxx | 830736 | xxxxxx | Original HLTV | 0 | 20.46036 | Verified | Field value reflects source document |
| xxxxxx | 830737 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 830737 | xxxxxx | Cash To Borrower | 5000.00 | 105823.24 | Verified | Field value reflects source document |
| xxxxxx | 830737 | xxxxxx | Original HLTV | 0 | 54.88506 | Verified | Field value reflects source document |
| xxxxxx | 830784 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830784 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 830784 | xxxxxx | Cash To Borrower | 0.00 | 2501.69 | Verified | Field value reflects source document |
| xxxxxx | 830784 | xxxxxx | Original HLTV | 0 | 61.25828 | Verified | Field value reflects source document |
| xxxxxx | 830824 | xxxxxx | Cash To Borrower | 125000.00 | 212294.36 | Verified | Field value reflects source document |
| xxxxxx | 830824 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.91 | 32.35295 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 830824 | xxxxxx | Original HLTV | 0 | 30.26316 | Verified | Field value reflects source document |
| xxxxxx | 830904 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 830904 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 830904 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 830904 | xxxxxx | Cash To Borrower | 485635.00 | 491694.70 | Verified | Field value reflects source document |
| xxxxxx | 830904 | xxxxxx | Original HLTV | 0 | 11.76471 | Verified | Field value reflects source document |
| xxxxxx | 830922 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 830922 | xxxxxx | Cash To Borrower | 0.00 | 50026.57 | Verified | Field value reflects source document |
| xxxxxx | 830922 | xxxxxx | Original HLTV | 0 | 43.22094 | Verified | Field value reflects source document |
| xxxxxx | 830928 | xxxxxx | Representative FICO | 772 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 830928 | xxxxxx | Cash From Borrower | 0.00 | 133049.58 | Verified | Field value reflects source document |
| xxxxxx | 830928 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 830975 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 830975 | xxxxxx | Cash To Borrower | 137476.91 | 138783.66 | Verified | Field value reflects source document |
| xxxxxx | 830975 | xxxxxx | Original HLTV | 0 | 62.54167 | Verified | Field value reflects source document |
| xxxxxx | 830991 | xxxxxx | Cash To Borrower | 260000.00 | 339075.85 | Verified | Field value reflects source document |
| xxxxxx | 830991 | xxxxxx | Original HLTV | 0 | 36.92308 | Verified | Field value reflects source document |
| xxxxxx | 831017 | xxxxxx | Cash To Borrower | 89193.00 | 92239.09 | Verified | Field value reflects source document |
| xxxxxx | 831017 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 831030 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831030 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831030 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831030 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 831030 | xxxxxx | Cash To Borrower | 175500.00 | 165307.45 | Verified | Field value reflects source document |
| xxxxxx | 831030 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 831064 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831064 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831064 | xxxxxx | Cash From Borrower | 0.00 | 386096.15 | Verified | Field value reflects source document |
| xxxxxx | 831064 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 831072 | xxxxxx | Cash To Borrower | 477877.00 | 479536.46 | Verified | Field value reflects source document |
| xxxxxx | 831072 | xxxxxx | Original HLTV | 0 | 9.29541 | Verified | Field value reflects source document |
| xxxxxx | 831074 | xxxxxx | Representative FICO | 737 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 831074 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831074 | xxxxxx | Cash From Borrower | 0.00 | 116786.13 | Verified | Field value reflects source document |
| xxxxxx | 831074 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 831088 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 831088 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831088 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 831088 | xxxxxx | Cash To Borrower | 268550.00 | 265035.13 | Verified | Field value reflects source document |
| xxxxxx | 831088 | xxxxxx | Original HLTV | 0 | 59.99158 | Verified | Field value reflects source document |
| xxxxxx | 831155 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831155 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831155 | xxxxxx | Cash From Borrower | 0.00 | 36915.25 | Verified | Field value reflects source document |
| xxxxxx | 831155 | xxxxxx | Original HLTV | 0 | 72.4 | Verified | Field value reflects source document |
| xxxxxx | 831167 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831167 | xxxxxx | Cash From Borrower | 0.00 | 78793.44 | Verified | Field value reflects source document |
| xxxxxx | 831167 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 831313 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831313 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831313 | xxxxxx | Cash To Borrower | 86815.89 | 123158.94 | Verified | Field value reflects source document |
| xxxxxx | 831313 | xxxxxx | Original HLTV | 0 | 53.29032 | Verified | Field value reflects source document |
| xxxxxx | 831317 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831317 | xxxxxx | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 831385 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831385 | xxxxxx | Cash From Borrower | 0.00 | 197686.96 | Verified | Field value reflects source document |
| xxxxxx | 831385 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.546 | 45.03339 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831385 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 831388 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831388 | xxxxxx | Cash From Borrower | 0.00 | 421431.38 | Verified | Field value reflects source document |
| xxxxxx | 831388 | xxxxxx | Original HLTV | 0 | 45.94595 | Verified | Field value reflects source document |
| xxxxxx | 831431 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831431 | 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 | 831431 | xxxxxx | Cash To Borrower | 346309.00 | 342022.03 | Verified | Field value reflects source document |
| xxxxxx | 831431 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.53 | 10.37187 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831431 | xxxxxx | Original HLTV | 0 | 12.85714 | Verified | Field value reflects source document |
| xxxxxx | 831465 | xxxxxx | Cash From Borrower | 0.00 | 190771.98 | Verified | Field value reflects source document |
| xxxxxx | 831465 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37 | 43.67503 | Verified | 1008 shows 39.50% |
| xxxxxx | 831465 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 831474 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 831474 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831495 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831495 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 831495 | xxxxxx | Cash From Borrower | 0.00 | 77250.00 | Verified | Field value reflects source document |
| xxxxxx | 831495 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.74 | 39.63558 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831495 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 831528 | xxxxxx | Cash To Borrower | 215000.00 | 199214.51 | Verified | Field value reflects source document |
| xxxxxx | 831528 | xxxxxx | Original HLTV | 0 | 10.75 | Verified | Field value reflects source document |
| xxxxxx | 831544 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 831544 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831544 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 831544 | xxxxxx | Cash From Borrower | 0.00 | 61279.85 | Verified | Field value reflects source document |
| xxxxxx | 831544 | xxxxxx | Original HLTV | 0 | 83.26957 | Verified | Field value reflects source document |
| xxxxxx | 831583 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831583 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 831583 | xxxxxx | Cash From Borrower | 0.00 | 425281.10 | Verified | Field value reflects source document |
| xxxxxx | 831583 | xxxxxx | Original HLTV | 0 | 55 | Verified | Field value reflects source document |
| xxxxxx | 831611 | xxxxxx | Cash From Borrower | 0.00 | 149468.85 | Verified | Field value reflects source document |
| xxxxxx | 831611 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.03 | 30.21293 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831611 | xxxxxx | Original HLTV | 0 | 79.99984 | Verified | Field value reflects source document |
| xxxxxx | 831670 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831670 | xxxxxx | Representative FICO | 789 | 783 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 831670 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 831670 | xxxxxx | Cash To Borrower | 79107.00 | 80087.67 | Verified | Field value reflects source document |
| xxxxxx | 831670 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.599 | 44.48951 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831670 | xxxxxx | Original HLTV | 0 | 11.32075 | Verified | Field value reflects source document |
| xxxxxx | 831717 | xxxxxx | Cash To Borrower | 112781.00 | 101190.92 | Verified | Field value reflects source document |
| xxxxxx | 831717 | xxxxxx | Original HLTV | 0 | 31.44667 | Verified | Field value reflects source document |
| xxxxxx | 831796 | xxxxxx | Representative FICO | 778 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 831796 | xxxxxx | Cash From Borrower | 0.00 | 110425.63 | Verified | Field value reflects source document |
| xxxxxx | 831796 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 831808 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831808 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831808 | xxxxxx | Cash To Borrower | 500000.00 | 494100.00 | Verified | Field value reflects source document |
| xxxxxx | 831808 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.048 | 18.05076 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831808 | xxxxxx | Original HLTV | 0 | 10.6383 | Verified | Field value reflects source document |
| xxxxxx | 831811 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 831811 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831811 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 831811 | xxxxxx | Cash To Borrower | 150000.00 | 150554.12 | Verified | Field value reflects source document |
| xxxxxx | 831811 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 831816 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831816 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831816 | xxxxxx | Cash To Borrower | 460000.00 | 433411.68 | Verified | Field value reflects source document |
| xxxxxx | 831816 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.52 | 31.18301 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831816 | xxxxxx | Original HLTV | 0 | 10 | Verified | Field value reflects source document |
| xxxxxx | 831818 | xxxxxx | Cash To Borrower | 155958.00 | 157989.69 | Verified | Field value reflects source document |
| xxxxxx | 831818 | xxxxxx | Original HLTV | 0 | 68.37607 | Verified | Field value reflects source document |
| xxxxxx | 831828 | xxxxxx | Cash From Borrower | 0.00 | 4512.31 | Verified | Field value reflects source document |
| xxxxxx | 831828 | xxxxxx | Original HLTV | 0 | 61 | Verified | Field value reflects source document |
| xxxxxx | 831892 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831892 | xxxxxx | Representative FICO | 749 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 831892 | xxxxxx | Cash From Borrower | 0.00 | 11552.14 | Verified | Field value reflects source document |
| xxxxxx | 831892 | xxxxxx | Original HLTV | 0 | 64.9608 | Verified | Field value reflects source document |
| xxxxxx | 831898 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831898 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 831898 | xxxxxx | Cash To Borrower | 0.00 | 1790.38 | Verified | Field value reflects source document |
| xxxxxx | 831898 | xxxxxx | Original HLTV | 0 | 64.18478 | Verified | Field value reflects source document |
| xxxxxx | 831919 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831919 | xxxxxx | Cash To Borrower | 239174.00 | 238686.44 | Verified | Field value reflects source document |
| xxxxxx | 831919 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.46 | 39.85393 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831919 | xxxxxx | Original HLTV | 0 | 23.78641 | Verified | Field value reflects source document |
| xxxxxx | 831938 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 831938 | xxxxxx | Representative FICO | 685 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 831938 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831938 | xxxxxx | Cash From Borrower | 0.00 | 13756.35 | Verified | Field value reflects source document |
| xxxxxx | 831938 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.27 | 51.98436 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831938 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 831949 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831949 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831949 | xxxxxx | Cash To Borrower | 177573.24 | 118615.23 | Verified | Field value reflects source document |
| xxxxxx | 831949 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.77 | 18.65931 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831949 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 831956 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 831956 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 831956 | xxxxxx | Cash From Borrower | 0.00 | 65423.80 | Verified | Field value reflects source document |
| xxxxxx | 831956 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 831964 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 831964 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 831964 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 831964 | xxxxxx | Cash To Borrower | 0.00 | 3499.14 | Verified | Field value reflects source document |
| xxxxxx | 831964 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.709 | 39.46347 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831964 | xxxxxx | Original HLTV | 0 | 70.15385 | Verified | Field value reflects source document |
| xxxxxx | 831967 | xxxxxx | Cash From Borrower | 0.00 | 78966.14 | Verified | Field value reflects source document |
| xxxxxx | 831967 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832159 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 832159 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832159 | xxxxxx | Original Interest Rate | 8.375 | 8.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 832159 | xxxxxx | Representative FICO | 700 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 832159 | xxxxxx | Cash To Borrower | 273381.00 | 249034.94 | Verified | Field value reflects source document |
| xxxxxx | 832159 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 832159 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25 | 39.84949 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 832159 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832166 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832166 | xxxxxx | Cash From Borrower | 0.00 | 98448.59 | Verified | Field value reflects source document |
| xxxxxx | 832166 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17.353 | 11.89705 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 832166 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 832167 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832167 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832167 | xxxxxx | Cash To Borrower | 0.00 | 983.62 | Verified | Field value reflects source document |
| xxxxxx | 832167 | xxxxxx | Original HLTV | 0 | 68.37838 | Verified | Field value reflects source document |
| xxxxxx | 832171 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832171 | xxxxxx | Cash From Borrower | 0.00 | 113064.23 | Verified | Field value reflects source document |
| xxxxxx | 832171 | xxxxxx | Original HLTV | 0 | 68.4127 | Verified | Field value reflects source document |
| xxxxxx | 832293 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832293 | xxxxxx | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832293 | xxxxxx | Cash To Borrower | 484247.67 | 495235.99 | Verified | Field value reflects source document |
| xxxxxx | 832293 | xxxxxx | Original HLTV | 0 | 4 | Verified | Field value reflects source document |
| xxxxxx | 832311 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 832311 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832311 | xxxxxx | Cash To Borrower | 36272.86 | 33644.48 | Verified | Field value reflects source document |
| xxxxxx | 832311 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.67 | 44.00364 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 832311 | xxxxxx | Original HLTV | 0 | 13.15789 | Verified | Field value reflects source document |
| xxxxxx | 832319 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832319 | xxxxxx | Original CLTV | 68.62756 | 65.44772 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 832319 | xxxxxx | Cash From Borrower | 0.00 | 201.55 | Verified | Field value reflects source document |
| xxxxxx | 832319 | xxxxxx | Original HLTV | 0 | 15.05353 | Verified | Field value reflects source document |
| xxxxxx | 832358 | xxxxxx | Cash To Borrower | 69229.00 | 68536.59 | Verified | Field value reflects source document |
| xxxxxx | 832358 | xxxxxx | Original HLTV | 0 | 8.87574 | Verified | Field value reflects source document |
| xxxxxx | 832399 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 832399 | xxxxxx | Cash From Borrower | 0.00 | 5236.70 | Verified | Field value reflects source document |
| xxxxxx | 832399 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 832424 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832424 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832424 | xxxxxx | Cash From Borrower | 0.00 | 269245.39 | Verified | Field value reflects source document |
| xxxxxx | 832424 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832446 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832446 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 832446 | xxxxxx | Original CLTV | 39.78236 | 38.62832 | 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 | 832446 | xxxxxx | Original LTV | 39.78236 | 38.62832 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 832446 | xxxxxx | Cash From Borrower | 0.00 | 1013.26 | Verified | Field value reflects source document |
| xxxxxx | 832446 | xxxxxx | Original HLTV | 0 | 38.62832 | Verified | Field value reflects source document |
| xxxxxx | 832455 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832455 | xxxxxx | Cash To Borrower | 451935.00 | 450124.04 | Verified | Field value reflects source document |
| xxxxxx | 832455 | xxxxxx | Original HLTV | 0 | 57.5 | Verified | Field value reflects source document |
| xxxxxx | 832457 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832457 | xxxxxx | Cash To Borrower | 790685.00 | 789279.22 | Verified | Field value reflects source document |
| xxxxxx | 832457 | xxxxxx | Original HLTV | 0 | 55.55556 | Verified | Field value reflects source document |
| xxxxxx | 832532 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 832532 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832532 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832545 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832545 | xxxxxx | Cash To Borrower | 208000.00 | 93242.61 | Verified | Field value reflects source document |
| xxxxxx | 832545 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832615 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 832615 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 832615 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 832615 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 832615 | xxxxxx | Cash From Borrower | 0.00 | 278299.80 | Verified | Field value reflects source document |
| xxxxxx | 832615 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832624 | xxxxxx | Representative FICO | 740 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 832624 | xxxxxx | Cash To Borrower | 193590.88 | 190736.54 | Verified | Field value reflects source document |
| xxxxxx | 832624 | xxxxxx | Original HLTV | 0 | 26.32727 | Verified | Field value reflects source document |
| xxxxxx | 832646 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832646 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832646 | xxxxxx | Cash To Borrower | 26030.00 | 11297.69 | Verified | Field value reflects source document |
| xxxxxx | 832646 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 832668 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 832668 | xxxxxx | Cash To Borrower | 282943.70 | 265768.28 | Verified | Field value reflects source document |
| xxxxxx | 832668 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 832671 | xxxxxx | Cash From Borrower | 0.00 | 31389.84 | Verified | Field value reflects source document |
| xxxxxx | 832671 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.198 | 37.95581 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 832671 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 832702 | xxxxxx | Cash To Borrower | 999999.00 | 999900.00 | Verified | Field value reflects source document |
| xxxxxx | 832702 | xxxxxx | Original HLTV | 0 | 64.99 | Verified | Field value reflects source document |
| xxxxxx | 832710 | xxxxxx | Cash From Borrower | 0.00 | 161133.83 | Verified | Field value reflects source document |
| xxxxxx | 832710 | xxxxxx | Original HLTV | 0 | 67.04545 | Verified | Field value reflects source document |
| xxxxxx | 832711 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832711 | xxxxxx | Cash From Borrower | 0.00 | 249156.21 | Verified | Field value reflects source document |
| xxxxxx | 832711 | xxxxxx | Original HLTV | 0 | 49.6128 | Verified | Field value reflects source document |
| xxxxxx | 832724 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 832724 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832724 | xxxxxx | Cash From Borrower | 0.00 | 166956.39 | Verified | Field value reflects source document |
| xxxxxx | 832724 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 832746 | xxxxxx | Cash From Borrower | 0.00 | 80513.90 | Verified | Field value reflects source document |
| xxxxxx | 832746 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832749 | xxxxxx | Cash From Borrower | 0.00 | 1076431.65 | Verified | Field value reflects source document |
| xxxxxx | 832749 | xxxxxx | Original HLTV | 0 | 44.73684 | Verified | Field value reflects source document |
| xxxxxx | 832761 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832761 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 832761 | xxxxxx | Cash To Borrower | 165185.00 | 125597.12 | Verified | Field value reflects source document |
| xxxxxx | 832761 | xxxxxx | Original HLTV | 0 | 68.125 | Verified | Field value reflects source document |
| xxxxxx | 832768 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 832768 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832768 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832768 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 832768 | xxxxxx | Cash From Borrower | 0.00 | 572731.56 | Verified | Field value reflects source document |
| xxxxxx | 832768 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 832778 | xxxxxx | Cash From Borrower | 0.00 | 169135.84 | Verified | Field value reflects source document |
| xxxxxx | 832778 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832799 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 832799 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832799 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 832799 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 832799 | xxxxxx | Original CLTV | 87.30709 | 90 | 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 | 832799 | xxxxxx | Original LTV | 87.30709 | 90 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 832799 | xxxxxx | Cash From Borrower | 0.00 | 92260.07 | Verified | Field value reflects source document |
| xxxxxx | 832799 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 832802 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832802 | xxxxxx | Cash To Borrower | 260000.00 | 212823.65 | Verified | Field value reflects source document |
| xxxxxx | 832802 | xxxxxx | Original HLTV | 0 | 41.33545 | Verified | Field value reflects source document |
| xxxxxx | 832808 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 832808 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 832808 | xxxxxx | Cash From Borrower | 0.00 | 68443.34 | Verified | Field value reflects source document |
| xxxxxx | 832808 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832864 | xxxxxx | Investor: Qualifying Housing Ratio | 34.641 | 24.14744 | Verified | Field value reflects source document |
| xxxxxx | 832931 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 832931 | xxxxxx | Cash To Borrower | 63880.22 | 61919.27 | Verified | Field value reflects source document |
| xxxxxx | 832931 | xxxxxx | Original HLTV | 0 | 69.6699 | Verified | Field value reflects source document |
| xxxxxx | 832953 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 832953 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 832953 | xxxxxx | Cash From Borrower | 0.00 | 134615.87 | Verified | Field value reflects source document |
| xxxxxx | 832953 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 832957 | xxxxxx | Cash From Borrower | 0.00 | 392418.57 | Verified | Field value reflects source document |
| xxxxxx | 832957 | xxxxxx | Original HLTV | 0 | 39.37008 | Verified | Field value reflects source document |
| xxxxxx | 832993 | xxxxxx | Representative FICO | 638 | 622 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 832993 | xxxxxx | Investor: Qualifying Housing Ratio | 39.605 | 21.19472 | Verified | Field value reflects source document |
| xxxxxx | 832994 | xxxxxx | Cash From Borrower | 0.00 | 268299.50 | Verified | Field value reflects source document |
| xxxxxx | 832994 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 832997 | xxxxxx | Cash To Borrower | 125000.00 | 119303.51 | Verified | Field value reflects source document |
| xxxxxx | 832997 | xxxxxx | Original HLTV | 0 | 7.11035 | Verified | Field value reflects source document |
| xxxxxx | 833015 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833015 | xxxxxx | Cash From Borrower | 0.00 | 226950.31 | Verified | Field value reflects source document |
| xxxxxx | 833015 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833030 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833030 | xxxxxx | Cash To Borrower | 20477.00 | 11940.32 | Verified | Field value reflects source document |
| xxxxxx | 833030 | xxxxxx | Original HLTV | 0 | 71.32867 | Verified | Field value reflects source document |
| xxxxxx | 833042 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833042 | xxxxxx | Cash From Borrower | 0.00 | 219733.28 | Verified | Field value reflects source document |
| xxxxxx | 833042 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833053 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833053 | xxxxxx | Cash From Borrower | 0.00 | 282784.13 | Verified | Field value reflects source document |
| xxxxxx | 833053 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833064 | xxxxxx | Cash To Borrower | 0.00 | 4392.23 | Verified | Field value reflects source document |
| xxxxxx | 833064 | xxxxxx | Original HLTV | 0 | 69.2809 | Verified | Field value reflects source document |
| xxxxxx | 833081 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833081 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833081 | xxxxxx | Cash To Borrower | 200000.00 | 185125.95 | Verified | Field value reflects source document |
| xxxxxx | 833081 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833124 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833124 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833124 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 833124 | xxxxxx | Cash To Borrower | 0.00 | 486.31 | Verified | Field value reflects source document |
| xxxxxx | 833124 | xxxxxx | Investor: Qualifying Total Debt Ratio | 11.41 | 16.28434 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 833124 | xxxxxx | Original HLTV | 0 | 21.63333 | Verified | Field value reflects source document |
| xxxxxx | 833128 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833128 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 833128 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 833128 | xxxxxx | Cash From Borrower | 0.00 | 136915.55 | Verified | Field value reflects source document |
| xxxxxx | 833128 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.9 | 48.92253 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833128 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833136 | xxxxxx | Cash To Borrower | 212874.00 | 212873.92 | Verified | Field value reflects source document |
| xxxxxx | 833136 | xxxxxx | Original HLTV | 0 | 69.67563 | Verified | Field value reflects source document |
| xxxxxx | 833164 | xxxxxx | Investor: Qualifying Housing Ratio | 43.526 | 14.62575 | Verified | Field value reflects source document |
| xxxxxx | 833179 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833179 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 833179 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 833179 | xxxxxx | Cash From Borrower | 0.00 | 121247.23 | Verified | Field value reflects source document |
| xxxxxx | 833179 | xxxxxx | Original HLTV | 0 | 72.64706 | Verified | Field value reflects source document |
| xxxxxx | 833182 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833182 | xxxxxx | Cash To Borrower | 198473.00 | 198384.68 | Verified | Field value reflects source document |
| xxxxxx | 833182 | xxxxxx | Original HLTV | 0 | 30.40541 | Verified | Field value reflects source document |
| xxxxxx | 833185 | xxxxxx | Cash To Borrower | 318523.00 | 319957.50 | Verified | Field value reflects source document |
| xxxxxx | 833185 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 833190 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833190 | xxxxxx | Cash From Borrower | 0.00 | 6101.52 | Verified | Field value reflects source document |
| xxxxxx | 833190 | xxxxxx | Original HLTV | 0 | 64.92537 | Verified | Field value reflects source document |
| xxxxxx | 833210 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833210 | xxxxxx | Cash To Borrower | 202455.05 | 202648.56 | Verified | Field value reflects source document |
| xxxxxx | 833210 | xxxxxx | Original HLTV | 0 | 74.28571 | Verified | Field value reflects source document |
| xxxxxx | 833239 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833239 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833239 | xxxxxx | Cash From Borrower | 0.00 | 273352.85 | Verified | Field value reflects source document |
| xxxxxx | 833239 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24 | 3.57148 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833239 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833248 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833248 | xxxxxx | Cash From Borrower | 0.00 | 90083.72 | Verified | Field value reflects source document |
| xxxxxx | 833248 | xxxxxx | Original HLTV | 0 | 40.90909 | Verified | Field value reflects source document |
| xxxxxx | 833265 | xxxxxx | Cash To Borrower | 178894.00 | 173121.54 | Verified | Field value reflects source document |
| xxxxxx | 833265 | xxxxxx | Original HLTV | 0 | 16.72727 | Verified | Field value reflects source document |
| xxxxxx | 833277 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833277 | xxxxxx | Cash From Borrower | 0.00 | 50657.94 | Verified | Field value reflects source document |
| xxxxxx | 833277 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.8 | 36.00826 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833277 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 833286 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833286 | xxxxxx | Cash To Borrower | 0.00 | 283.20 | Verified | Field value reflects source document |
| xxxxxx | 833286 | xxxxxx | Original HLTV | 0 | 51.33333 | Verified | Field value reflects source document |
| xxxxxx | 833291 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833291 | xxxxxx | Cash To Borrower | 242557.84 | 234759.28 | Verified | Field value reflects source document |
| xxxxxx | 833291 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.07 | 33.36748 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833291 | xxxxxx | Original HLTV | 0 | 14.84763 | Verified | Field value reflects source document |
| xxxxxx | 833292 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 833292 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 833292 | xxxxxx | Cash From Borrower | 0.00 | 82279.70 | Verified | Field value reflects source document |
| xxxxxx | 833292 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833296 | xxxxxx | Cash To Borrower | 451887.00 | 397149.60 | Verified | Field value reflects source document |
| xxxxxx | 833296 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833443 | xxxxxx | Cash From Borrower | 0.00 | 133408.04 | Verified | Field value reflects source document |
| xxxxxx | 833443 | xxxxxx | Original HLTV | 0 | 67.12329 | Verified | Field value reflects source document |
| xxxxxx | 833455 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833455 | xxxxxx | Cash To Borrower | 194320.00 | 188785.20 | Verified | Field value reflects source document |
| xxxxxx | 833455 | xxxxxx | Original CLTV | 59.90509 | 58.74325 | 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 | 833455 | xxxxxx | Original HLTV | 0 | 17.85714 | Verified | Field value reflects source document |
| xxxxxx | 833460 | xxxxxx | Cash From Borrower | 0.00 | 1612081.79 | Verified | Field value reflects source document |
| xxxxxx | 833460 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.579 | 49.24544 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833460 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833467 | xxxxxx | Investor: Qualifying Housing Ratio | 32.791 | 25.96593 | Verified | Field value reflects source document |
| xxxxxx | 833482 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833482 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833482 | xxxxxx | Cash To Borrower | 106598.75 | 105819.85 | Verified | Field value reflects source document |
| xxxxxx | 833482 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833486 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833486 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833486 | xxxxxx | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 833486 | xxxxxx | Cash To Borrower | 100000.00 | 320816.46 | Verified | Field value reflects source document |
| xxxxxx | 833486 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 833488 | xxxxxx | Original Interest Rate | 6.99 | 7.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 833488 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833488 | xxxxxx | Cash To Borrower | 900000.00 | 150010.41 | Verified | Field value reflects source document |
| xxxxxx | 833488 | xxxxxx | Original CLTV | 46 | 66.90909 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 833488 | xxxxxx | Original LTV | 46 | 66.90909 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 833488 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 47.99598 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833488 | xxxxxx | Original HLTV | 0 | 66.90909 | Verified | Field value reflects source document |
| xxxxxx | 833498 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833498 | xxxxxx | Cash To Borrower | 0.00 | 479.31 | Verified | Field value reflects source document |
| xxxxxx | 833498 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34 | 31.30964 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833498 | xxxxxx | Original HLTV | 0 | 79.67442 | Verified | Field value reflects source document |
| xxxxxx | 833511 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833511 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833511 | xxxxxx | Cash From Borrower | 0.00 | 70484.05 | Verified | Field value reflects source document |
| xxxxxx | 833511 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833518 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 833518 | xxxxxx | Cash From Borrower | 0.00 | 105767.31 | Verified | Field value reflects source document |
| xxxxxx | 833518 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833537 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 833537 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 833537 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833537 | xxxxxx | Cash From Borrower | 0.00 | 431349.42 | Verified | Field value reflects source document |
| xxxxxx | 833537 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833577 | xxxxxx | Cash To Borrower | 41087.00 | 40316.38 | Verified | Field value reflects source document |
| xxxxxx | 833577 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.51 | 47.54738 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833577 | xxxxxx | Original HLTV | 0 | 69.98681 | Verified | Field value reflects source document |
| xxxxxx | 833578 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833578 | xxxxxx | Cash To Borrower | 21037.00 | 21036.09 | Verified | Field value reflects source document |
| xxxxxx | 833578 | xxxxxx | Original HLTV | 0 | 67.06587 | Verified | Field value reflects source document |
| xxxxxx | 833606 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 833606 | xxxxxx | Cash From Borrower | 0.00 | 8738.51 | Verified | Field value reflects source document |
| xxxxxx | 833606 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833643 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 833643 | xxxxxx | Cash From Borrower | 0.00 | 77424.12 | Verified | Field value reflects source document |
| xxxxxx | 833643 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833645 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 833645 | xxxxxx | Cash To Borrower | 178500.00 | 167936.03 | Verified | Field value reflects source document |
| xxxxxx | 833645 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833653 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833653 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833653 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833653 | xxxxxx | Cash To Borrower | 250000.00 | 388218.90 | Verified | Field value reflects source document |
| xxxxxx | 833653 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833655 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833655 | xxxxxx | Original Interest Rate | 7.49 | 7.5 | Verified | Field Value reflects the Note value |
| xxxxxx | 833655 | xxxxxx | Cash To Borrower | 330742.05 | 300679.82 | Verified | Field value reflects source document |
| xxxxxx | 833655 | xxxxxx | Original HLTV | 0 | 74.94949 | Verified | Field value reflects source document |
| xxxxxx | 833656 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833656 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833656 | xxxxxx | Cash To Borrower | 27673.92 | 27627.25 | Verified | Field value reflects source document |
| xxxxxx | 833656 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833662 | xxxxxx | Cash From Borrower | 0.00 | 203557.59 | Verified | Field value reflects source document |
| xxxxxx | 833662 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833665 | xxxxxx | Cash From Borrower | 0.00 | 122984.55 | Verified | Field value reflects source document |
| xxxxxx | 833665 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833713 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833713 | xxxxxx | Cash From Borrower | 0.00 | 322611.44 | Verified | Field value reflects source document |
| xxxxxx | 833713 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833740 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833740 | xxxxxx | Cash From Borrower | 0.00 | 146927.34 | Verified | Field value reflects source document |
| xxxxxx | 833740 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833741 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833741 | xxxxxx | Cash To Borrower | 12000.00 | 7233.65 | Verified | Field value reflects source document |
| xxxxxx | 833741 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833743 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833743 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833743 | xxxxxx | Cash From Borrower | 0.00 | 1015826.73 | Verified | Field value reflects source document |
| xxxxxx | 833743 | xxxxxx | Original HLTV | 0 | 26 | Verified | Field value reflects source document |
| xxxxxx | 833744 | xxxxxx | Representative FICO | 685 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 833744 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833744 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833744 | xxxxxx | Cash From Borrower | 0.00 | 164989.71 | Verified | Field value reflects source document |
| xxxxxx | 833744 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833749 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833749 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833749 | xxxxxx | Cash From Borrower | 0.00 | 2833.38 | Verified | Field value reflects source document |
| xxxxxx | 833749 | xxxxxx | Original HLTV | 0 | 42.31643 | Verified | Field value reflects source document |
| xxxxxx | 833754 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833754 | xxxxxx | Cash From Borrower | 0.00 | 170392.40 | Verified | Field value reflects source document |
| xxxxxx | 833754 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 833770 | xxxxxx | Cash From Borrower | 0.00 | 201008.63 | Verified | Field value reflects source document |
| xxxxxx | 833770 | xxxxxx | Original HLTV | 0 | 65.92661 | Verified | Field value reflects source document |
| xxxxxx | 833786 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 833786 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833786 | xxxxxx | Representative FICO | 791 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 833786 | xxxxxx | Property Type | Condotel | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833786 | xxxxxx | Cash From Borrower | 0.00 | 89057.57 | Verified | Field value reflects source document |
| xxxxxx | 833786 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.26 | 44.09718 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833786 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 833822 | xxxxxx | Cash To Borrower | 632087.20 | 634149.16 | Verified | Field value reflects source document |
| xxxxxx | 833822 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833847 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 833847 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833847 | xxxxxx | Cash To Borrower | 116500.00 | 52380.97 | Verified | Field value reflects source document |
| xxxxxx | 833847 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.8 | 34.17794 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833847 | xxxxxx | Original HLTV | 0 | 18.94309 | Verified | Field value reflects source document |
| xxxxxx | 833854 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833892 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 833892 | xxxxxx | Cash To Borrower | 0.00 | 313.18 | Verified | Field value reflects source document |
| xxxxxx | 833892 | xxxxxx | Original HLTV | 0 | 77.88618 | Verified | Field value reflects source document |
| xxxxxx | 833910 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 833910 | xxxxxx | Cash From Borrower | 0.00 | 263336.50 | Verified | Field value reflects source document |
| xxxxxx | 833910 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37 | 44.64936 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 833910 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 833925 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833925 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 833925 | xxxxxx | Cash From Borrower | 0.00 | 350377.62 | Verified | Field value reflects source document |
| xxxxxx | 833925 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 833949 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833949 | xxxxxx | Cash From Borrower | 0.00 | 122414.93 | Verified | Field value reflects source document |
| xxxxxx | 833949 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833974 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 833974 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 833974 | xxxxxx | Cash From Borrower | 0.00 | 57604.97 | Verified | Field value reflects source document |
| xxxxxx | 833974 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 834012 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834012 | xxxxxx | Original Interest Rate | 7.5 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 834012 | xxxxxx | Cash From Borrower | 0.00 | 66801.79 | Verified | Field value reflects source document |
| xxxxxx | 834012 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834033 | xxxxxx | Cash From Borrower | 0.00 | 216747.00 | Verified | Field value reflects source document |
| xxxxxx | 834033 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834045 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834045 | xxxxxx | Cash From Borrower | 0.00 | 147176.01 | Verified | Field value reflects source document |
| xxxxxx | 834045 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 834047 | xxxxxx | Cash From Borrower | 0.00 | 146749.24 | Verified | Field value reflects source document |
| xxxxxx | 834047 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834048 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834048 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834048 | xxxxxx | Cash To Borrower | 121815.20 | 121764.81 | Verified | Field value reflects source document |
| xxxxxx | 834048 | xxxxxx | Original HLTV | 0 | 61.76471 | Verified | Field value reflects source document |
| xxxxxx | 834049 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834049 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 834049 | xxxxxx | Cash To Borrower | 183845.35 | 185537.78 | Verified | Field value reflects source document |
| xxxxxx | 834049 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 834119 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 834119 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834119 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834119 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834119 | xxxxxx | Cash From Borrower | 0.00 | 165765.77 | Verified | Field value reflects source document |
| xxxxxx | 834119 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 834123 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 834123 | xxxxxx | Cash From Borrower | 0.00 | 541375.15 | Verified | Field value reflects source document |
| xxxxxx | 834123 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834134 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 834134 | xxxxxx | Cash From Borrower | 0.00 | 107767.80 | Verified | Field value reflects source document |
| xxxxxx | 834134 | xxxxxx | Investor: Qualifying Total Debt Ratio | 16.58 | 19.79584 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834134 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834170 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834170 | xxxxxx | Cash To Borrower | 134667.32 | 133298.80 | Verified | Field value reflects source document |
| xxxxxx | 834170 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834180 | xxxxxx | Cash To Borrower | 550000.00 | 543504.17 | Verified | Field value reflects source document |
| xxxxxx | 834180 | xxxxxx | Original HLTV | 0 | 47.82609 | Verified | Field value reflects source document |
| xxxxxx | 834182 | xxxxxx | Cash From Borrower | 0.00 | 410032.72 | Verified | Field value reflects source document |
| xxxxxx | 834182 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.036 | 49.53436 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834182 | xxxxxx | Original HLTV | 0 | 36.50794 | Verified | Field value reflects source document |
| xxxxxx | 834232 | xxxxxx | Cash From Borrower | 0.00 | 137603.49 | Verified | Field value reflects source document |
| xxxxxx | 834232 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834241 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834241 | xxxxxx | Original Interest Rate | 7.5 | 7.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 834241 | xxxxxx | Cash To Borrower | 445000.00 | 419723.46 | Verified | Field value reflects source document |
| xxxxxx | 834241 | xxxxxx | Original HLTV | 0 | 58.55263 | Verified | Field value reflects source document |
| xxxxxx | 834242 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834242 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 834242 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 834242 | xxxxxx | Cash From Borrower | 0.00 | 306651.28 | Verified | Field value reflects source document |
| xxxxxx | 834242 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834243 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 834243 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834243 | xxxxxx | Cash From Borrower | 0.00 | 322093.71 | Verified | Field value reflects source document |
| xxxxxx | 834243 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834249 | xxxxxx | Cash From Borrower | 0.00 | 470744.54 | Verified | Field value reflects source document |
| xxxxxx | 834249 | xxxxxx | Original HLTV | 0 | 52.63158 | Verified | Field value reflects source document |
| xxxxxx | 834252 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834252 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834252 | xxxxxx | Cash To Borrower | 101500.00 | 28523.62 | Verified | Field value reflects source document |
| xxxxxx | 834252 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834257 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834257 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834257 | xxxxxx | Cash To Borrower | 172721.20 | 170132.68 | Verified | Field value reflects source document |
| xxxxxx | 834257 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834260 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834260 | xxxxxx | Cash To Borrower | 202410.00 | 207645.86 | Verified | Field value reflects source document |
| xxxxxx | 834260 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.04 | 46.52307 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834260 | xxxxxx | Original HLTV | 0 | 40 | Verified | Field value reflects source document |
| xxxxxx | 834261 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834261 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834261 | xxxxxx | Cash To Borrower | 192887.16 | 190710.90 | Verified | Field value reflects source document |
| xxxxxx | 834261 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834314 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834314 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 834314 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834314 | xxxxxx | Cash From Borrower | 0.00 | 101608.07 | Verified | Field value reflects source document |
| xxxxxx | 834314 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834321 | xxxxxx | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| xxxxxx | 834321 | xxxxxx | Cash From Borrower | 0.00 | 130083.77 | Verified | Field value reflects source document |
| xxxxxx | 834321 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834327 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834327 | xxxxxx | Cash From Borrower | 0.00 | 100820.96 | Verified | Field value reflects source document |
| xxxxxx | 834327 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.27 | 34.98261 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834327 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834337 | xxxxxx | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| xxxxxx | 834341 | xxxxxx | Cash To Borrower | 700000.00 | 679888.09 | Verified | Field value reflects source document |
| xxxxxx | 834341 | xxxxxx | Original HLTV | 0 | 33.91473 | Verified | Field value reflects source document |
| xxxxxx | 834344 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834344 | xxxxxx | Cash From Borrower | 0.00 | 186435.92 | Verified | Field value reflects source document |
| xxxxxx | 834344 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834356 | xxxxxx | Cash From Borrower | 0.00 | 916699.76 | Verified | Field value reflects source document |
| xxxxxx | 834356 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.75 | 11.07488 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834356 | xxxxxx | Original HLTV | 0 | 18.34862 | Verified | Field value reflects source document |
| xxxxxx | 834412 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834412 | xxxxxx | Cash From Borrower | 0.00 | 221346.27 | Verified | Field value reflects source document |
| xxxxxx | 834412 | xxxxxx | Original HLTV | 0 | 89.98736 | Verified | Field value reflects source document |
| xxxxxx | 834413 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 834413 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834413 | xxxxxx | Cash To Borrower | 59674.00 | 50686.65 | Verified | Field value reflects source document |
| xxxxxx | 834413 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834417 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 834417 | xxxxxx | Representative FICO | 793 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 834417 | xxxxxx | Original CLTV | 59.88024 | 61.49701 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834417 | xxxxxx | Original LTV | 59.88024 | 61.49701 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834417 | xxxxxx | Cash From Borrower | 0.00 | 16877.16 | Verified | Field value reflects source document |
| xxxxxx | 834417 | xxxxxx | Investor: Qualifying Total Debt Ratio | 16.26 | 18.4596 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834417 | xxxxxx | Original HLTV | 0 | 61.49701 | Verified | Field value reflects source document |
| xxxxxx | 834429 | xxxxxx | Cash From Borrower | 0.00 | 510082.94 | Verified | Field value reflects source document |
| xxxxxx | 834429 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.646 | 39.99449 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834429 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 834439 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 834439 | xxxxxx | Cash To Borrower | 196521.00 | 172610.45 | Verified | Field value reflects source document |
| xxxxxx | 834439 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.292 | 41.87845 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834439 | xxxxxx | Original HLTV | 0 | 5.88235 | Verified | Field value reflects source document |
| xxxxxx | 834441 | xxxxxx | Cash To Borrower | 494676.00 | 473777.27 | Verified | Field value reflects source document |
| xxxxxx | 834441 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13.08 | 10.64518 | Verified | Audit income |
| xxxxxx | 834441 | xxxxxx | Original HLTV | 0 | 30.76923 | Verified | Field value reflects source document |
| xxxxxx | 834492 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 834492 | xxxxxx | Representative FICO | 771 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 834492 | xxxxxx | Cash To Borrower | 816000.00 | 765800.09 | Verified | Field value reflects source document |
| xxxxxx | 834492 | xxxxxx | Original CLTV | 75.90698 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834492 | xxxxxx | Original LTV | 75.90698 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 834492 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834685 | xxxxxx | Investor: Qualifying Housing Ratio | 43.484 | 38.6834 | Verified | Field value reflects source document |
| xxxxxx | 834782 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834782 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834782 | xxxxxx | Cash From Borrower | 0.00 | 157743.09 | Verified | Field value reflects source document |
| xxxxxx | 834782 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.01 | 39.86323 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834782 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834793 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 834793 | xxxxxx | Cash From Borrower | 0.00 | 246714.67 | Verified | Field value reflects source document |
| xxxxxx | 834793 | xxxxxx | Original HLTV | 0 | 59.64912 | Verified | Field value reflects source document |
| xxxxxx | 834801 | xxxxxx | Cash From Borrower | 0.00 | 44261.88 | Verified | Field value reflects source document |
| xxxxxx | 834801 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 834859 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834859 | xxxxxx | Cash From Borrower | 0.00 | 324593.12 | Verified | Field value reflects source document |
| xxxxxx | 834859 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22 | 25.91723 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834859 | xxxxxx | Original HLTV | 0 | 68.42105 | Verified | Field value reflects source document |
| xxxxxx | 834868 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834868 | xxxxxx | Cash From Borrower | 0.00 | 563786.53 | Verified | Field value reflects source document |
| xxxxxx | 834868 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834874 | xxxxxx | Cash From Borrower | 0.00 | 306330.63 | Verified | Field value reflects source document |
| xxxxxx | 834874 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.01 | 5.56068 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834874 | xxxxxx | Original HLTV | 0 | 72.72727 | Verified | Field value reflects source document |
| xxxxxx | 834885 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 834885 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 834885 | xxxxxx | Cash From Borrower | 0.00 | 305292.29 | Verified | Field value reflects source document |
| xxxxxx | 834885 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 834908 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 834908 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834908 | 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 | 834908 | xxxxxx | Cash To Borrower | 49000.00 | 50529.01 | Verified | Field value reflects source document |
| xxxxxx | 834908 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834924 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834924 | xxxxxx | Cash To Borrower | 408803.71 | 408766.78 | Verified | Field value reflects source document |
| xxxxxx | 834924 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 834925 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 834925 | xxxxxx | Cash From Borrower | 0.00 | 14715.43 | Verified | Field value reflects source document |
| xxxxxx | 834925 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834981 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 834981 | xxxxxx | Cash To Borrower | 229994.00 | 228668.06 | Verified | Field value reflects source document |
| xxxxxx | 834981 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834982 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834982 | xxxxxx | Cash From Borrower | 0.00 | 178829.18 | Verified | Field value reflects source document |
| xxxxxx | 834982 | xxxxxx | Original HLTV | 0 | 72.47706 | Verified | Field value reflects source document |
| xxxxxx | 834984 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 834984 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 834984 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 834984 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 834984 | xxxxxx | Cash From Borrower | 0.00 | 309375.85 | Verified | Field value reflects source document |
| xxxxxx | 834984 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31 | 37.02171 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 834984 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835116 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 835116 | xxxxxx | Cash From Borrower | 0.00 | 739.63 | Verified | Field value reflects source document |
| xxxxxx | 835116 | xxxxxx | Original HLTV | 0 | 67.65857 | Verified | Field value reflects source document |
| xxxxxx | 835131 | xxxxxx | Representative FICO | 797 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835131 | xxxxxx | Cash From Borrower | 0.00 | 475718.13 | Verified | Field value reflects source document |
| xxxxxx | 835131 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 835167 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835167 | xxxxxx | Cash From Borrower | 0.00 | 73868.24 | Verified | Field value reflects source document |
| xxxxxx | 835167 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835195 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835195 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 835195 | xxxxxx | Cash From Borrower | 0.00 | 67447.79 | Verified | Field value reflects source document |
| xxxxxx | 835195 | xxxxxx | Original HLTV | 0 | 34.375 | Verified | Field value reflects source document |
| xxxxxx | 835223 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835223 | 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 | 835223 | xxxxxx | Cash To Borrower | 232431.00 | 190270.65 | Verified | Field value reflects source document |
| xxxxxx | 835223 | xxxxxx | Original HLTV | 0 | 45.26316 | Verified | Field value reflects source document |
| xxxxxx | 835225 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835225 | xxxxxx | Cash From Borrower | 0.00 | 371601.44 | Verified | Field value reflects source document |
| xxxxxx | 835225 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49 | 43.98215 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 835225 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835231 | xxxxxx | Cash From Borrower | 0.00 | 111663.73 | Verified | Field value reflects source document |
| xxxxxx | 835231 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 835267 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 835267 | xxxxxx | Cash From Borrower | 0.00 | 139382.53 | Verified | Field value reflects source document |
| xxxxxx | 835267 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.78 | 41.47331 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 835267 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835300 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 835300 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835300 | xxxxxx | Representative FICO | 740 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835300 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835300 | xxxxxx | Cash From Borrower | 0.00 | 176268.05 | Verified | Field value reflects source document |
| xxxxxx | 835300 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835303 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835303 | xxxxxx | Cash To Borrower | 1155000.00 | 63019.75 | Verified | Field value reflects source document |
| xxxxxx | 835303 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25 | 44.4988 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835303 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835311 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 835311 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 835311 | xxxxxx | Original CLTV | 73.72881 | 75 | 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 | 835311 | xxxxxx | Original LTV | 73.72881 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 835311 | xxxxxx | Cash From Borrower | 0.00 | 267881.04 | Verified | Field value reflects source document |
| xxxxxx | 835311 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835319 | xxxxxx | Cash To Borrower | 211302.27 | 211757.03 | Verified | Field value reflects source document |
| xxxxxx | 835319 | xxxxxx | Original CLTV | 50.26667 | 67.62332 | Verified | Delayed Financing. Purchase price + doc improvements to be utilized to qualify per guidelines |
| xxxxxx | 835319 | xxxxxx | Original LTV | 50.26667 | 67.62332 | Verified | Delayed Financing. Purchase price + doc improvements to be utilized to qualify per guidelines |
| xxxxxx | 835319 | xxxxxx | Original HLTV | 0 | 67.62332 | Verified | Field value reflects source document |
| xxxxxx | 835326 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835326 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835326 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 835326 | xxxxxx | Cash From Borrower | 0.00 | 63615.13 | Verified | Field value reflects source document |
| xxxxxx | 835326 | xxxxxx | Original HLTV | 0 | 79.19667 | Verified | Field value reflects source document |
| xxxxxx | 835339 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835339 | xxxxxx | Cash To Borrower | 115000.00 | 110641.88 | Verified | Field value reflects source document |
| xxxxxx | 835339 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.08 | 31.27981 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835339 | xxxxxx | Original HLTV | 0 | 19.36066 | Verified | Field value reflects source document |
| xxxxxx | 835429 | xxxxxx | Cash To Borrower | 356954.99 | 359143.16 | Verified | Field value reflects source document |
| xxxxxx | 835429 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.977 | 42.63794 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835429 | xxxxxx | Original HLTV | 0 | 54.90196 | Verified | Field value reflects source document |
| xxxxxx | 835431 | xxxxxx | Cash From Borrower | 0.00 | 130.00 | Verified | Field value reflects source document |
| xxxxxx | 835431 | xxxxxx | Original HLTV | 0 | 78.24667 | Verified | Field value reflects source document |
| xxxxxx | 835435 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835435 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835435 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835435 | xxxxxx | Cash From Borrower | 0.00 | 411461.39 | Verified | Field value reflects source document |
| xxxxxx | 835435 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835436 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835436 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835436 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835436 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835436 | xxxxxx | Cash From Borrower | 0.00 | 110497.12 | Verified | Field value reflects source document |
| xxxxxx | 835436 | xxxxxx | Original HLTV | 0 | 74.67602 | Verified | Field value reflects source document |
| xxxxxx | 835439 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835439 | xxxxxx | Cash From Borrower | 0.00 | 140794.01 | Verified | Field value reflects source document |
| xxxxxx | 835439 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835440 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835440 | xxxxxx | Cash To Borrower | 366023.00 | 366022.75 | Verified | Field value reflects source document |
| xxxxxx | 835440 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 835444 | xxxxxx | Cash From Borrower | 0.00 | 255642.04 | Verified | Field value reflects source document |
| xxxxxx | 835444 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.18 | 50.88759 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835444 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835455 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835455 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835455 | xxxxxx | Cash From Borrower | 0.00 | 293406.84 | Verified | Field value reflects source document |
| xxxxxx | 835455 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835473 | xxxxxx | Cash From Borrower | 0.00 | 66352.34 | Verified | Field value reflects source document |
| xxxxxx | 835473 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835476 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835476 | xxxxxx | Cash From Borrower | 0.00 | 260596.72 | Verified | Field value reflects source document |
| xxxxxx | 835476 | xxxxxx | Investor: Qualifying Total Debt Ratio | 19.85 | 23.67499 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835476 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835490 | xxxxxx | Cash To Borrower | 29997.00 | 231616.12 | Verified | Field value reflects source document |
| xxxxxx | 835490 | xxxxxx | Original HLTV | 0 | 48 | Verified | Field value reflects source document |
| xxxxxx | 835502 | xxxxxx | Representative FICO | 767 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835502 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835502 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 835502 | xxxxxx | Cash From Borrower | 0.00 | 66669.30 | Verified | Field value reflects source document |
| xxxxxx | 835502 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.861 | 33.99948 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835502 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835529 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835529 | xxxxxx | Subject Debt Service Coverage Ratio | 0.66 | 0.78 | Verified | Lender used much higher tax amount that was unable to be verified with provided documents. Taxes used for final DSCR were taken from provided tax cert. |
| xxxxxx | 835533 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835533 | xxxxxx | Subject Debt Service Coverage Ratio | 1.55 | 1.56 | Verified | Due to rounding. |
| xxxxxx | 835536 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835536 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835536 | xxxxxx | Subject Debt Service Coverage Ratio | 1.10 | 1.38 | Verified | Field value reflects source document |
| xxxxxx | 835538 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835538 | xxxxxx | Subject Debt Service Coverage Ratio | 1.22 | 1.23 | Verified | DSCR is Rounded Up. |
| xxxxxx | 835539 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835539 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835541 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835545 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835546 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835548 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835549 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835549 | xxxxxx | Representative FICO | 771 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835550 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835552 | xxxxxx | Subject Debt Service Coverage Ratio | 2.10 | 2.11 | Verified | Rounding. |
| xxxxxx | 835554 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835554 | xxxxxx | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Due to rounding. |
| xxxxxx | 835556 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835556 | xxxxxx | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Due to rounding. |
| xxxxxx | 835561 | xxxxxx | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 835561 | xxxxxx | Representative FICO | 755 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835571 | xxxxxx | Original LTV | 77.8 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 835600 | xxxxxx | Cash From Borrower | 0.00 | 625.00 | Verified | Field value reflects source document |
| xxxxxx | 835600 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835673 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835673 | xxxxxx | Cash From Borrower | 0.00 | 540090.35 | Verified | Field value reflects source document |
| xxxxxx | 835673 | xxxxxx | Original HLTV | 0 | 74.86679 | Verified | Field value reflects source document |
| xxxxxx | 835675 | xxxxxx | Cash To Borrower | 897300.00 | 895920.35 | Verified | Field value reflects source document |
| xxxxxx | 835675 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835716 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 835716 | xxxxxx | Cash From Borrower | 0.00 | 53772.59 | Verified | Field value reflects source document |
| xxxxxx | 835716 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26 | 31.01751 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835716 | xxxxxx | Original HLTV | 0 | 78.125 | Verified | Field value reflects source document |
| xxxxxx | 835734 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835734 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 835734 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835734 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835734 | xxxxxx | Cash To Borrower | 390000.00 | 364309.51 | Verified | Field value reflects source document |
| xxxxxx | 835734 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835736 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835736 | xxxxxx | Representative FICO | 781 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835736 | xxxxxx | Cash From Borrower | 0.00 | 237106.41 | Verified | Field value reflects source document |
| xxxxxx | 835736 | xxxxxx | Original HLTV | 0 | 55.76923 | Verified | Field value reflects source document |
| xxxxxx | 835739 | xxxxxx | Cash From Borrower | 0.00 | 30747.46 | Verified | Field value reflects source document |
| xxxxxx | 835739 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.709 | 49.17092 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 835739 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835749 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 835749 | xxxxxx | Representative FICO | 722 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835749 | xxxxxx | Cash To Borrower | 50000.00 | 391800.90 | Verified | Field value reflects source document |
| xxxxxx | 835749 | xxxxxx | Original HLTV | 0 | 51.28205 | Verified | Field value reflects source document |
| xxxxxx | 835814 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835814 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 835814 | xxxxxx | Cash From Borrower | 0.00 | 117431.95 | Verified | Field value reflects source document |
| xxxxxx | 835814 | xxxxxx | Original HLTV | 0 | 79.34783 | Verified | Field value reflects source document |
| xxxxxx | 835822 | xxxxxx | Representative FICO | 740 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835822 | xxxxxx | Cash From Borrower | 0.00 | 295785.07 | Verified | Field value reflects source document |
| xxxxxx | 835822 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.2 | 43.80703 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835822 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835824 | xxxxxx | Cash From Borrower | 0.00 | 7926.11 | Verified | Field value reflects source document |
| xxxxxx | 835824 | xxxxxx | Original HLTV | 0 | 69.63158 | Verified | Field value reflects source document |
| xxxxxx | 835829 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835829 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 835829 | xxxxxx | Cash From Borrower | 0.00 | 108518.09 | Verified | Field value reflects source document |
| xxxxxx | 835829 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.08 | 42.84867 | Verified | 1008 approved with 42.94%. |
| xxxxxx | 835829 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835834 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 835834 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 835834 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835834 | xxxxxx | Original CLTV | 73.98524 | 75 | 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 | 835834 | xxxxxx | Original LTV | 73.98524 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 835834 | xxxxxx | Cash From Borrower | 0.00 | 5456.95 | Verified | Field value reflects source document |
| xxxxxx | 835834 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835837 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835837 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835837 | xxxxxx | Cash From Borrower | 0.00 | 9071.18 | Verified | Field value reflects source document |
| xxxxxx | 835837 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 835838 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 835838 | xxxxxx | Cash From Borrower | 0.00 | 126548.87 | Verified | Field value reflects source document |
| xxxxxx | 835838 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17.58 | 20.38696 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835838 | xxxxxx | Original HLTV | 0 | 74.88857 | Verified | Field value reflects source document |
| xxxxxx | 835838 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835859 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 835859 | xxxxxx | Representative FICO | 706 | 716 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 835859 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835859 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 835859 | xxxxxx | Cash From Borrower | 0.00 | 292348.99 | Verified | Field value reflects source document |
| xxxxxx | 835859 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46 | 48.27636 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835859 | xxxxxx | Original HLTV | 0 | 79.99997 | Verified | Field value reflects source document |
| xxxxxx | 835871 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 835871 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 835871 | xxxxxx | Cash From Borrower | 0.00 | 73596.30 | Verified | Field value reflects source document |
| xxxxxx | 835871 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835889 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835889 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835889 | xxxxxx | Cash To Borrower | 196353.00 | 157906.38 | Verified | Field value reflects source document |
| xxxxxx | 835889 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835916 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 835916 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835916 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 835916 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 835916 | xxxxxx | Cash From Borrower | 0.00 | 225316.00 | Verified | Field value reflects source document |
| xxxxxx | 835916 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.02 | 28.65038 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 835916 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835946 | xxxxxx | Cash From Borrower | 0.00 | 79766.28 | Verified | Field value reflects source document |
| xxxxxx | 835946 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 835957 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 835957 | xxxxxx | Cash To Borrower | 341635.00 | 337642.81 | Verified | Field value reflects source document |
| xxxxxx | 835957 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836002 | xxxxxx | Cash To Borrower | 1592599.00 | 1503257.33 | Verified | Field value reflects source document |
| xxxxxx | 836002 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20.8 | 38.03633 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836002 | xxxxxx | Original HLTV | 0 | 69.23077 | Verified | Field value reflects source document |
| xxxxxx | 836007 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 836007 | xxxxxx | Cash From Borrower | 0.00 | 209907.49 | Verified | Field value reflects source document |
| xxxxxx | 836007 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.467 | 44.39928 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836007 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836016 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836016 | xxxxxx | Cash To Borrower | 131322.00 | 122240.66 | Verified | Field value reflects source document |
| xxxxxx | 836016 | xxxxxx | Original HLTV | 0 | 69.97743 | Verified | Field value reflects source document |
| xxxxxx | 836079 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836079 | xxxxxx | Cash From Borrower | 0.00 | 230332.56 | Verified | Field value reflects source document |
| xxxxxx | 836079 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 836150 | xxxxxx | Representative FICO | 739 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 836150 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836150 | xxxxxx | Cash To Borrower | 181185.00 | 184355.85 | Verified | Field value reflects source document |
| xxxxxx | 836150 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.523 | 49.82942 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836150 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836151 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836151 | xxxxxx | Cash From Borrower | 0.00 | 216164.04 | Verified | Field value reflects source document |
| xxxxxx | 836151 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836164 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836164 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836164 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836164 | xxxxxx | Cash From Borrower | 0.00 | 455194.55 | Verified | Field value reflects source document |
| xxxxxx | 836164 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836180 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836180 | xxxxxx | Cash From Borrower | 0.00 | 96152.78 | Verified | Field value reflects source document |
| xxxxxx | 836180 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836233 | xxxxxx | Cash To Borrower | 0.00 | 23876.82 | Verified | Field value reflects source document |
| xxxxxx | 836233 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.599 | 56.20541 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836233 | xxxxxx | Original HLTV | 0 | 66.28788 | Verified | Field value reflects source document |
| xxxxxx | 836253 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 836253 | xxxxxx | Cash From Borrower | 0.00 | 527764.88 | Verified | Field value reflects source document |
| xxxxxx | 836253 | xxxxxx | Original HLTV | 0 | 62.96296 | Verified | Field value reflects source document |
| xxxxxx | 836256 | xxxxxx | Cash From Borrower | 0.00 | 350415.98 | Verified | Field value reflects source document |
| xxxxxx | 836256 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836329 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836329 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836329 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836329 | xxxxxx | Cash From Borrower | 0.00 | 116600.04 | Verified | Field value reflects source document |
| xxxxxx | 836329 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23 | 11.23149 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836329 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836335 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836335 | xxxxxx | Cash From Borrower | 0.00 | 191259.49 | Verified | Field value reflects source document |
| xxxxxx | 836335 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.644 | 38.90643 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836335 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836339 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836339 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 836339 | xxxxxx | Cash From Borrower | 0.00 | 210961.51 | Verified | Field value reflects source document |
| xxxxxx | 836339 | xxxxxx | Original HLTV | 0 | 69.92056 | Verified | Field value reflects source document |
| xxxxxx | 836377 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836377 | xxxxxx | Cash From Borrower | 0.00 | 81721.50 | Verified | Field value reflects source document |
| xxxxxx | 836377 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 40.98079 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836377 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836392 | xxxxxx | Cash To Borrower | 999497.29 | 994303.21 | Verified | Field value reflects source document |
| xxxxxx | 836392 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836423 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 836423 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836423 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836423 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836429 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836429 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836429 | xxxxxx | Cash From Borrower | 0.00 | 105374.45 | Verified | Field value reflects source document |
| xxxxxx | 836429 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 836434 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836434 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 836434 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 836434 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836434 | xxxxxx | Cash From Borrower | 0.00 | 124843.63 | Verified | Field value reflects source document |
| xxxxxx | 836434 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836526 | xxxxxx | Original HLTV | 0 | 73.42646 | Verified | Field value reflects source document |
| xxxxxx | 836539 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 836539 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 836539 | xxxxxx | Cash To Borrower | 785000.00 | 775648.42 | Verified | Field value reflects source document |
| xxxxxx | 836539 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38 | 35.95539 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836539 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836551 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836551 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836551 | xxxxxx | Cash To Borrower | 216341.85 | 188371.40 | Verified | Field value reflects source document |
| xxxxxx | 836551 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24 | 37.91313 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836551 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836593 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836593 | xxxxxx | Cash From Borrower | 0.00 | 239604.77 | Verified | Field value reflects source document |
| xxxxxx | 836593 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836599 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 836599 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 836599 | xxxxxx | Cash To Borrower | 66036.00 | 66035.37 | Verified | Field value reflects source document |
| xxxxxx | 836599 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.95 | 24.26489 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836599 | xxxxxx | Original HLTV | 0 | 68.3945 | Verified | Field value reflects source document |
| xxxxxx | 836607 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836607 | xxxxxx | Cash From Borrower | 0.00 | 334845.26 | Verified | Field value reflects source document |
| xxxxxx | 836607 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836612 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 836612 | xxxxxx | Cash From Borrower | 0.00 | 116562.85 | Verified | Field value reflects source document |
| xxxxxx | 836612 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836704 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836704 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 836704 | xxxxxx | Cash From Borrower | 0.00 | 139041.01 | Verified | Field value reflects source document |
| xxxxxx | 836704 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.96 | 38.98104 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836704 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836716 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 836716 | xxxxxx | # of Units | 2 | 1 | Verified | Field value reflects source document |
| xxxxxx | 836716 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 836716 | xxxxxx | Cash From Borrower | 0.00 | 236330.24 | Verified | Field value reflects source document |
| xxxxxx | 836716 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.15 | 44.55808 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836716 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 836730 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836730 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 836730 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 836730 | xxxxxx | Cash To Borrower | 287838.75 | 277782.53 | Verified | Field value reflects source document |
| xxxxxx | 836730 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 836824 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836824 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 836824 | xxxxxx | Cash From Borrower | 0.00 | 365195.68 | Verified | Field value reflects source document |
| xxxxxx | 836824 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.34 | 47.0683 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836824 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 836955 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 836955 | xxxxxx | Cash From Borrower | 0.00 | 59758.74 | Verified | Field value reflects source document |
| xxxxxx | 836955 | xxxxxx | Investor: Qualifying Total Debt Ratio | 10 | 7.10327 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836955 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 837045 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837045 | xxxxxx | Cash From Borrower | 0.00 | 75722.77 | Verified | Field value reflects source document |
| xxxxxx | 837045 | xxxxxx | Original HLTV | 0 | 89.98276 | Verified | Field value reflects source document |
| xxxxxx | 837136 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837136 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837136 | xxxxxx | Cash From Borrower | 0.00 | 213927.92 | Verified | Field value reflects source document |
| xxxxxx | 837136 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837178 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 837178 | xxxxxx | Cash To Borrower | 1400000.00 | 1469020.51 | Verified | Field value reflects source document |
| xxxxxx | 837178 | xxxxxx | Original HLTV | 0 | 48.78049 | Verified | Field value reflects source document |
| xxxxxx | 837232 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837232 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837232 | xxxxxx | Cash From Borrower | 0.00 | 134604.90 | Verified | Field value reflects source document |
| xxxxxx | 837232 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.42 | 33.03431 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837232 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837242 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837242 | xxxxxx | Cash From Borrower | 0.00 | 98823.72 | Verified | Field value reflects source document |
| xxxxxx | 837242 | xxxxxx | Original HLTV | 0 | 74.99978 | Verified | Field value reflects source document |
| xxxxxx | 837243 | xxxxxx | Cash From Borrower | 0.00 | 344589.32 | Verified | Field value reflects source document |
| xxxxxx | 837243 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36.35 | 39.8316 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837243 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837247 | xxxxxx | Cash To Borrower | 0.00 | 114044.38 | Verified | Field value reflects source document |
| xxxxxx | 837247 | xxxxxx | Original HLTV | 0 | 69.86301 | Verified | Field value reflects source document |
| xxxxxx | 837248 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837248 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 837248 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 837248 | xxxxxx | Cash From Borrower | 0.00 | 19210.17 | Verified | Field value reflects source document |
| xxxxxx | 837248 | xxxxxx | Original HLTV | 0 | 69.89247 | Verified | Field value reflects source document |
| xxxxxx | 837254 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837254 | xxxxxx | Representative FICO | 720 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837254 | xxxxxx | Cash From Borrower | 0.00 | 173081.89 | Verified | Field value reflects source document |
| xxxxxx | 837254 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837262 | xxxxxx | Cash To Borrower | 193628.00 | 190800.37 | Verified | Field value reflects source document |
| xxxxxx | 837262 | xxxxxx | Investor: Qualifying Total Debt Ratio | 9.31 | 6.34098 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837262 | xxxxxx | Original HLTV | 0 | 20.1005 | Verified | Field value reflects source document |
| xxxxxx | 837271 | xxxxxx | Cash From Borrower | 0.00 | 115236.90 | Verified | Field value reflects source document |
| xxxxxx | 837271 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 837274 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837274 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837274 | xxxxxx | Cash From Borrower | 0.00 | 122518.16 | Verified | Field value reflects source document |
| xxxxxx | 837274 | xxxxxx | Original HLTV | 0 | 71.01449 | Verified | Field value reflects source document |
| xxxxxx | 837276 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837276 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837276 | xxxxxx | Cash From Borrower | 0.00 | 113880.59 | Verified | Field value reflects source document |
| xxxxxx | 837276 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.81 | 27.35799 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837276 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837309 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 837309 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837309 | xxxxxx | Cash From Borrower | 0.00 | 323234.27 | Verified | Field value reflects source document |
| xxxxxx | 837309 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 837323 | xxxxxx | Cash From Borrower | 0.00 | 254555.26 | Verified | Field value reflects source document |
| xxxxxx | 837323 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.86 | 42.48898 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 837323 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837357 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837357 | xxxxxx | Cash From Borrower | 0.00 | 273363.41 | Verified | Field value reflects source document |
| xxxxxx | 837357 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837365 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837365 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837365 | xxxxxx | Cash From Borrower | 0.00 | 80150.12 | Verified | Field value reflects source document |
| xxxxxx | 837365 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837431 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 837431 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 837431 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 837431 | xxxxxx | Cash From Borrower | 0.00 | 254466.25 | Verified | Field value reflects source document |
| xxxxxx | 837431 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837761 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837761 | xxxxxx | Cash From Borrower | 0.00 | 6598.11 | Verified | Field value reflects source document |
| xxxxxx | 837761 | xxxxxx | Original HLTV | 0 | 64.98498 | Verified | Field value reflects source document |
| xxxxxx | 837770 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 837770 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 837770 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 837770 | xxxxxx | Cash From Borrower | 0.00 | 103946.09 | Verified | Field value reflects source document |
| xxxxxx | 837770 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837773 | xxxxxx | Cash From Borrower | 0.00 | 289054.10 | Verified | Field value reflects source document |
| xxxxxx | 837773 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837775 | xxxxxx | Cash From Borrower | 0.00 | 80822.71 | Verified | Field value reflects source document |
| xxxxxx | 837775 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC EXCEPTION GRADES**

![](tm2518320d1_ex99-2img001.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** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **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 | 821380 | xxxxxx | 32061409 | xxxxxx | 11/11/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-03-19): Received Guarantor Agreement. Exception cleared. | 03/19/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 821380 | xxxxxx | 32061451 | xxxxxx | 11/11/2024 | 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 | Property inspected post disaster but pre-FEMA declaration of disaster end date.<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. | Reviewer Comment (2024-11-08): Client elects to waive. CDAIR received dated xxxxxx: No Damage |  |  | 11/08/2024 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 821380 | xxxxxx | 32065698 | xxxxxx | 11/11/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-03-19): Received Business Purpose Certificate. Exception cleared. | 03/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 821380 | xxxxxx | 32075697 | xxxxxx | 11/11/2024 | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided |  | Provide the currency converter for account xxxxxx from XE.com or the xxxxxx per guidelines. xxxxxx Translate provided and it was not run on the most recent statement dated xxxxxx . |  | Reviewer Comment (2024-11-15): The bank statements provided were translated from a different language to English via xxxxxx translate but the bank statement reflects the currency is in xxxxxx dollars.<br>Reviewer Comment (2024-11-13): Condition cannot be reconsidered as this is a guideline requirement. The account in question's bank statement was converted via Google Translate to xxxxxx which is not an acceptable source per guidelines. | 11/15/2024 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 821380 | xxxxxx | 32075703 | xxxxxx | 11/11/2024 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 72.21032% exceeds Guideline loan to value percentage of 70.00000%. | Max for Foreign National Short Term Rental Purchase | 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 (2024-11-18): Client elects to waive with verified compensation factors |  |  | 11/18/2024 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 822018 | xxxxxx | 33011990 | xxxxxx | 03/14/2025 | 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 (2025-03-14): Client elects to waive |  |  | 03/14/2025 | 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 | 822018 | xxxxxx | 33038662 | xxxxxx | 03/14/2025 | 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 (2025-03-20): Received updated Fraud Report. Fraud and OFAC run on the settlement agent name. Exception cleared. | 03/20/2025 |  |  | 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 | 822018 | xxxxxx | 33038707 | xxxxxx | 03/14/2025 | 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 Disaster Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | Additional information is needed. Per COC inspection fee added. Appraisal was received xxxxxx and disaster occurred xxxxxx . Fee was not disclosed until xxxxxx which is > 3 days from discovery of xxxxxx . |  | Reviewer Comment (2025-03-21): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. |  | 03/21/2025 |  | 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 | 822976 | xxxxxx | 32155832 | xxxxxx | 11/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Not provided for xxxxxx |  | Reviewer Comment (2025-01-07): OA provided for xxxxxx See added condition.<br>Reviewer Comment (2025-01-06): Email to investor: The Borrowing Entity is xxxxxx with additional Entity xxxxxx The Articles provided reflect xxxxxx changed its name to xxxxxx The OA provided in trailing documents is for xxxxxx We need the OA for xxxxxx (or the OA for xxxxxx due to a name change to xxxxxx).<br>Reviewer Comment (2025-01-03): Received Operating agreement is for xxxxxx However, the operating agreement is requested is for xxxxxx. Exception remains.<br>Reviewer Comment (2024-12-24): Received Operating agreement is for xxxxxx. However the operating agreement is requested is for xxxxxx Exception remains. | 01/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 822976 | xxxxxx | 32168232 | xxxxxx | 11/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Not provided for xxxxxx |  | Reviewer Comment (2024-12-19): Received Articles of Organization/Formation. Exception cleared.<br>Reviewer Comment (2024-12-09): Received Operating agreement and certificate of good standing for xxxxxx. However the document requested is for filed articles of Organization/Formation for xxxxxx. Exception remains. | 12/19/2024 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 822976 | xxxxxx | 32168237 | xxxxxx | 11/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Not provided for xxxxxx |  | Reviewer Comment (2024-12-24): Received search for Business Entity reflecting business status as active. Exception cleared. | 12/24/2024 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 822976 | xxxxxx | 32168284 | xxxxxx | 11/21/2024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Delayed Financing: The lower of the purchase price + doc improvements or appraised value to be used. The lender used the higher appraised value. |  | Reviewer Comment (2025-01-06): Updated 1008 provided using sales price.<br>Reviewer Comment (2025-01-03): The 1008 reflects the appraised value. Provide the corrected 1008 with the value used for qualifying which is $xxxxxx. | 01/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 822976 | xxxxxx | 32168309 | xxxxxx | 11/21/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the EIN For xxxxxx and xxxxxx |  | Reviewer Comment (2025-01-06): EIN provided for xxxxxx and xxxxxx (formally know as LLC)<br>Reviewer Comment (2024-12-24): Received form W-9 is not acceptable. Provide EIN. Exception remains. | 01/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 822976 | xxxxxx | 32585386 | xxxxxx | 01/07/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Per the OA for xxxxxx, Section 3.6, a Unanimous Consent is required to bind the company. |  | Reviewer Comment (2025-01-23): Received Corporate Resolution. Exception cleared. | 01/23/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 823448 | xxxxxx | 33288851 | xxxxxx | 04/22/2025 | 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 . | RTC has an expiration date of xxxxxx and Final CD has a disbursement date of xxxxxx. If disbursement date is incorrect on the Final CD, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-04-28): Final stamped settlement statement provided with updated disbursement date. | 04/28/2025 |  |  | 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 | 824588 | xxxxxx | 33186346 | xxxxxx | 04/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx vs. xxxxxx |  | Reviewer Comment (2025-04-16): Updated title provided. Prepared date is later than original report.<br>Reviewer Comment (2025-04-15): 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).<br>Reviewer Comment (2025-04-09): The UW cert does not clear this condition. All documents must match. | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 825549 | xxxxxx | 32327592 | xxxxxx | 12/11/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.46703% or Final Disclosure APR of 7.47200% is equal to or greater than the threshold of APOR 2.67% + 3.5%, or 6.17000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2024-12-11): Client elects to waive |  |  | 12/11/2024 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327593 | xxxxxx | 12/11/2024 | 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. | Excessive DTI due to lender qualified income at $26,608.17 vs. qualifying audit income of $25,757.75 |  | Reviewer Comment (2025-02-28): The client waived the DTI violation with comp factors so the loan designation is now Non-QM. | 02/28/2025 |  |  | 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 | 825549 | xxxxxx | 32327598 | xxxxxx | 12/11/2024 | 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 Closing Disclosure was not provided. |  | Reviewer Comment (2024-12-11): Client elects to waive |  |  | 12/11/2024 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327599 | xxxxxx | 12/11/2024 | 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 $2,967.49 may be required. | Loan estimate is missing in the file. |  | Reviewer Comment (2024-12-11): Client elects to waive |  |  | 12/11/2024 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327605 | xxxxxx | 12/11/2024 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2025-02-14): Received HOI policy. Exception cleared. | 02/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327609 | xxxxxx | 12/11/2024 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive a copy of the appraisal disclosure is not provided in the loan file. The provided Loan estimate is for the 1st Lien. |  | Reviewer Comment (2024-12-11): Client elects to waive |  |  | 12/11/2024 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327610 | xxxxxx | 12/11/2024 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | 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 (2024-12-11): Client elects to waive |  |  | 12/11/2024 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327617 | xxxxxx | 12/11/2024 | 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 (2025-03-27): DI provided dated xxxxxx: No Damage | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327645 | xxxxxx | 12/11/2024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 45.54742% exceeds Guideline total debt ratio of 43.00000%. | Excessive DTI due to lender qualified income at $26,608.17 vs. qualifying audit income of $25,757.75 | 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>Per the Client, no mortgage lates since xxxxxx | Reviewer Comment (2025-02-27): The client elects to waive.<br>Reviewer Comment (2025-02-17): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 45.49955% exceeds Guideline total debt ratio of 43.00000%. |  |  | 02/27/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32327650 | xxxxxx | 12/11/2024 | 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. | Excessive DTI due to lender qualified income at $26,608.17 vs. qualifying audit income of $25,757.75 |  | Reviewer Comment (2025-02-27): The client waived the DTI voilation so the loan is now Non-QM. | 02/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32346152 | xxxxxx | 12/11/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is from 2018. |  | Reviewer Comment (2025-02-17): Fraud Report provided. High Risk Red flags have comments addressing even though reflects open and full appraisal provided for subject property. | 02/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32346209 | xxxxxx | 12/11/2024 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Commitment in file is for the 1st lien. | 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>Per the Client, no mortgage lates since xxxxxx | Reviewer Comment (2025-03-10): Client elects to waive with verified compensation factors |  |  | 03/10/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32346217 | xxxxxx | 12/11/2024 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification |  | 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>Per the Client, no mortgage lates since xxxxxx | Reviewer Comment (2025-03-10): Client elects to waive with verified compensation factors |  |  | 03/10/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825549 | xxxxxx | 32353193 | xxxxxx | 12/11/2024 | 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 45.54742% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Excessive DTI due to lender qualified income at $26,608.17 vs. qualifying audit income of $25,757.75 | 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>Per the Client, no mortgage lates since xxxxxx | Reviewer Comment (2025-02-27): The client elects to waive.<br>Reviewer Comment (2025-02-17): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.49955% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  | 02/27/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825551 | xxxxxx | 32326009 | xxxxxx | 12/11/2024 | 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. |  |  |  | Reviewer Comment (2025-01-09): DI received xxxxxx : No Damage | 01/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825551 | xxxxxx | 32326344 | xxxxxx | 12/11/2024 | 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 (2025-01-09): Client elects to waive |  |  | 01/09/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825551 | xxxxxx | 32352528 | xxxxxx | 12/11/2024 | 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. | Tax returns are not signed and dated by the borrower |  | Reviewer Comment (2025-01-29): Signed and dated tax return provided along with esign disclosure | 01/29/2025 |  |  | 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 | 825551 | xxxxxx | 32352529 | xxxxxx | 12/11/2024 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | Tax returns are not signed and dated by the borrower |  | Reviewer Comment (2025-01-29): Signed and dated tax return provided along with esign disclosure | 01/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 825551 | xxxxxx | 32352530 | xxxxxx | 12/11/2024 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Tax returns are not signed and dated by the borrower |  | Reviewer Comment (2025-01-29): Signed and dated tax return provided along with esign disclosure | 01/29/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 826694 | xxxxxx | 33317899 | xxxxxx | 04/24/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note shows xxxxxx vs HOI which shows xxxxxx; Flood Insurance shows xxxxxx |  | Reviewer Comment (2025-05-01): Updated policies provided | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 826694 | xxxxxx | 33317915 | xxxxxx | 04/24/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note shows xxxxxx vs xxxxxx |  | Reviewer Comment (2025-05-02): Updated CDA provided | 05/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 826694 | xxxxxx | 33321872 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-02): Received Watch List Search, fraud and OFAC run on the settlement agent. Exception cleared. | 05/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 826747 | xxxxxx | 32813653 | xxxxxx | 02/13/2025 | 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) |  |  | Reviewer Comment (2025-03-11): xxxxxx |  | 03/11/2025 |  | 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 | 826747 | xxxxxx | 32813654 | xxxxxx | 02/13/2025 | 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) | Under Projected payments, the Estimated Taxes, Insurance & Assessments on page 1 of Final Closing disclosure and Escrow Account on page 4 of Final Closing disclosure is not appropriately disclosed. |  | Reviewer Comment (2025-03-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 03/11/2025 |  | 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 | 826747 | xxxxxx | 32813655 | xxxxxx | 02/13/2025 | 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) | Under Projected payments, the Estimated Taxes, Insurance & Assessments on page 1 of Final Closing disclosure and Escrow Account on page 4 of Final Closing disclosure is not appropriately disclosed. |  | Reviewer Comment (2025-03-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 03/11/2025 |  | 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 | 826747 | xxxxxx | 32813656 | xxxxxx | 02/13/2025 | 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) | Under Projected payments, the Estimated Taxes, Insurance & Assessments on page 1 of Final Closing disclosure and Escrow Account on page 4 of Final Closing disclosure is not appropriately disclosed. |  | Reviewer Comment (2025-03-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 03/11/2025 |  | 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 | 826747 | xxxxxx | 32813666 | xxxxxx | 02/13/2025 | 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 $91,488.86 is over disclosed by $102.70 compared to the calculated Amount Financed of $91,386.16 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 $91,488.86; calculated amount financed is $91,386.16. Variance is $102.70. |  | Reviewer Comment (2025-04-16): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD. Missing proof of reopening of rescission to all consumers and added separate extended rescission exception.<br>Reviewer Comment (2025-03-11): 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. |  | 04/16/2025 |  | 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 | 826747 | xxxxxx | 32813667 | xxxxxx | 02/13/2025 | 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 $236,173.35 is under disclosed by $102.70 compared to the calculated Finance Charge of $236,276.05 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 $236,173.35; calculated finance charge is $236,276.05. Variance is $102.70. |  | Reviewer Comment (2025-03-11): 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. |  | 04/16/2025 |  | 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, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 826747 | xxxxxx | 32813763 | xxxxxx | 02/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-03-05): Received credit report dated xxxxxx . Exception cleared. | 03/05/2025 |  |  | 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 | 826747 | xxxxxx | 32834365 | xxxxxx | 02/13/2025 | 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 COC provided only reflects desk review fee was added. More information is required as to when it was discovered a desk review was required and why it was required. |  | Reviewer Comment (2025-04-16): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 04/16/2025 |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 826747 | xxxxxx | 32834366 | xxxxxx | 02/13/2025 | 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 COC provided only reflects desk review fee was added. More information is required as to when it was discovered a desk review was required and why it was required. |  | Reviewer Comment (2025-04-09): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 04/09/2025 |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 826747 | xxxxxx | 33288144 | xxxxxx | 04/16/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD. Missing proof of reopening of rescission to all consumers to finalize the material disclosure violation. |  | Reviewer Comment (2025-05-14): Letter of Explanation, Proof of Delivery, and Re-open Rescission with docusign provided<br>Reviewer Comment (2025-05-12): No new documents received. Please try uploading again. Please review comments from xxxxxx Received new signed RTC forms (which evidences delivery) re-opening rescission which ends at midnight on xxxxxx Still pending receipt of LOE to borrower and docusign for e-signatures on RTC forms.<br>Reviewer Comment (2025-05-08): Received new signed RTC forms (which evidences delivery) re-opening rescission which ends at midnight on xxxxxx Condition cannot be cured until then. Also, still pending receipt of LOE to borrower and docusign for e-signatures on RTC forms.<br>Reviewer Comment (2025-05-06): The LOE is not acceptable. Rescission needs to be re-opened due to under disclosed finance charges being cured. To cure: Provide the LOE, evidence of delivery to the borrower and re-open rescission. |  | 05/14/2025 |  | 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 notice of rescission model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 827595 | xxxxxx | 33084044 | xxxxxx | 03/25/2025 | 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 (2025-03-27): Received gap credit report. Exception cleared. | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 827595 | xxxxxx | 33084557 | xxxxxx | 03/25/2025 | 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 $251,934.64 is over disclosed by $78.70 compared to the calculated Amount Financed of $251,855.94 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 $498,572.51; calculated amount financed is $498,651.21. Variance is -$78.70. |  | Reviewer Comment (2025-03-27): SitusAMC received lender attestation on AMC fee primarily for appraisal verification | 03/27/2025 |  |  | 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, Corrected CD, and Re-open Rescission if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 827595 | xxxxxx | 33084558 | xxxxxx | 03/25/2025 | 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 $498,572.51 is under disclosed by $78.70 compared to the calculated Finance Charge of $498,651.21 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 $498,572.51; calculated finance charge is $498,651.21. Variance is -$78.70. |  | Reviewer Comment (2025-03-27): SitusAMC received lender attestation on AMC fee primarily for appraisal verification | 03/27/2025 |  |  | 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 amount, Corrected CD, and Re-open Rescission if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 827595 | xxxxxx | 33084584 | xxxxxx | 03/25/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver | Security Instrument is not on a 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 (2025-03-23): Client elects to waive |  |  | 03/23/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 827595 | xxxxxx | 33084589 | xxxxxx | 03/25/2025 | 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 (2025-03-27): PDI received dated xxxxxx: No Damage | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 827629 | xxxxxx | 32982338 | xxxxxx | 03/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction are not included in the Fraud Report and OFAC searches. Missing for settlement agent- xxxxxx. |  | Reviewer Comment (2025-03-17): Received updated Fraud Report, fraud and OFAC run on the settlement agent. Exception cleared.<br>Reviewer Comment (2025-03-13): Received Clearance Report. However Fraud and OFAC not run on the settlement agent, xxxxxx. Exception remains. | 03/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 827629 | xxxxxx | 32982424 | xxxxxx | 03/11/2025 | 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 (2025-03-13): Received Final Title Policy. Exception cleared. | 03/13/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 827629 | xxxxxx | 33000410 | xxxxxx | 03/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Guides require 12 months of history on subject property. Investor exception request to allow with 5 months of payment history on subject. | Seasoned Borrower/Investor currently owns 16 properties.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-03-08): Client elects to waive with verified compensatoin factors |  |  | 03/08/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 827629 | xxxxxx | 33000417 | xxxxxx | 03/11/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Seasoning > 6 months but < 12 months requires the lower of the purchase price + doc improvements or appraised value to be utilized. Lender used higher appraised value. (Per guidelines, the payoff of delinquent real estate taxes (60 days or more past due) is considered cash-out. xxxxxx are delinquent and paid through closing; Closing xxxxxx). |  | Reviewer Comment (2025-03-27): Per client email, per product team verification on guidelines, if the borrower paid out of pocket (POCB) the past due taxes, loan can be considered rate and term. Requested update to R/T. | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 827629 | xxxxxx | 33000418 | xxxxxx | 03/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated 1008/1003 reflecting C/O refinance. The payoff of delinquent real estate taxes (60 days or more past due) is considered cash-out. |  | Reviewer Comment (2025-03-27): Per client email, per product team verification on guidelines, if the borrower paid out of pocket (POCB) the past due taxes, loan can be considered rate and term. Requested update to R/T. | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 827629 | xxxxxx | 33000419 | xxxxxx | 03/11/2025 | 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 (2025-03-13): Received Final Title Policy. Exception cleared. | 03/13/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828201 | xxxxxx | 33035883 | xxxxxx | 03/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx (assets). |  | Reviewer Comment (2025-03-24): Received Operating Agreement reflecting ownership % in xxxxxx Exception cleared. | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828201 | xxxxxx | 33035885 | xxxxxx | 03/19/2025 | 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 (2025-03-25): FTP provided | 03/25/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828201 | xxxxxx | 33038670 | xxxxxx | 03/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on property owner, xxxxxx |  | Reviewer Comment (2025-03-24): Received Fraud and OFAC searches run on property owner, xxxxxx. Exception cleared. | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828201 | xxxxxx | 33038705 | xxxxxx | 03/19/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for subject property (contract for deed) does not appear on the credit report. VOM provided. Pending receipt of payoff, 6 months pay history and copy of original note or mortgage statement. |  | Reviewer Comment (2025-04-28): Received additional one month pay history. Exception cleared.<br>Reviewer Comment (2025-04-24): Received bank statement dated xxxxxx which reflects the check number xxxxxx. The checks we have in file are xxxxxx and xxxxxx. Therefore only 5 months of pay history was provided, require additional 1 more month of checks. Exception remains.<br>Reviewer Comment (2025-04-23): Received Check dated xxxxxx with the check number xxxxxx, per bank statement the check as cleared on xxxxxx . Rest of the checks we have is dated xxxxxx , xxxxxx , xxxxxx , and xxxxxx . Exception remains.<br>Reviewer Comment (2025-04-21): Received 5 months of checks, xxxxxx through xxxxxx 25. Provide 1 more month of check along with copy of original note or mortgage statement. Exception remains.<br>Reviewer Comment (2025-04-04): Received same document which was already in file. LOE does not suffice the condition Provide pending receipt of borrower 6 months' pay history and copy of the original Note or mortgage statement for the $xxxxxx lien. Exception remains.<br>Reviewer Comment (2025-04-01): Received extension through xxxxxx and payoff for second lien of $xxxxxx. Title and payoff reflect 1st lien is not in then name of the borrower (contract for deed). Pending receipt of borrower 6 months pay history and copy of the original Note or mortgage statement for the $xxxxxx lien.<br>Reviewer Comment (2025-03-26): 1. Per the real estate contract, borrower will make the monthly payment of $1,200 for 24 months, first payment due on xxxxxx through xxxxxx , on xxxxxx the entire balance of $100,000 was due and payable, however the loan is closed on xxxxxx . Therefore provide extension of maturity along with receipt of payoff, 6 months pay history and copy of original note or mortgage statement, since the mortgage is not reported on credit report. <br> 2. Provide Note to verify if borrower is not liable for mortgage payment for mortgage lien with xxxxxx that is paying off in amount of $xxxxxx. Exception remains. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828201 | xxxxxx | 33082882 | xxxxxx | 03/19/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM for the subject property is missing #1, name and address of creditor. |  | Reviewer Comment (2025-03-24): Received VOM for the subject property. Exception cleared. | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828201 | xxxxxx | 33082973 | xxxxxx | 03/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Contract for deed transaction. Owner's mortgage paid off and a portion of the contract for deed (VOM states approx > $xxxxxxK owned and only $ xxxxxxK paid off). |  | Reviewer Comment (2025-03-25): Clear final title provided | 03/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828231 | xxxxxx | 33272946 | xxxxxx | 04/17/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-21): Received E-sign Consent Agreement. Exception cleared. | 04/21/2025 |  |  | 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 | 828231 | xxxxxx | 33273914 | xxxxxx | 04/17/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx HB1399 - No evidence of required counseling disclosure language per xxxxxx HB 1399. |  |  | Reviewer Comment (2025-04-15): Client elects to waive |  |  | 04/15/2025 | 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 | 828231 | xxxxxx | 33276973 | xxxxxx | 04/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. Ledger, Lease, and LOE provided stating the do not completed third party forms, however this is not acceptable as it does not meet the guideline requirements then. . |  | Reviewer Comment (2025-04-23): Per client email received, the guidelines do not reflect a xxxxxx VOR form needs to be completed and other third party documents are acceptable. Ledger, Lease and LOE provided. | 04/23/2025 |  |  | 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 | 828231 | xxxxxx | 33281548 | xxxxxx | 04/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title: City reflects xxxxxx vs. Note which reflects xxxxxx |  | Reviewer Comment (2025-04-28): Email from title with corrections provided<br>Reviewer Comment (2025-04-24): The correct and incorrect title polices are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title).<br>Reviewer Comment (2025-04-18): Address affidavit does not clear this condition. All addresses must match. | 04/28/2025 |  |  | 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 | 828633 | xxxxxx | 33288798 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Unable to Identify Settlement agent , OFAC missing for Settlement Agent |  | Reviewer Comment (2025-04-30): Received Mortgage Participant List Report. Fraud and OFAC run on the settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-24): Received Fraud and OFAC search run on xxxxxx. However, the Settlement Statement in file does not have the settlement agent name. Therefore provide document to verify settlement agent name. Exception remains. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 828664 | xxxxxx | 33294050 | xxxxxx | 04/23/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 8.64744% or Final Disclosure APR of 8.70700% is equal to or greater than the threshold of APOR 6.65% + 1.5%, or 8.15000% Compliant Higher Priced Loan. |  |  | Reviewer Comment (2025-04-24): Client elects to waive |  |  | 04/24/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 828664 | xxxxxx | 33294051 | xxxxxx | 04/23/2025 | 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 (2025-04-28): SitusAMC received xxxxxx CD, received 3 business days prior to consummation. | 04/28/2025 |  |  | 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 | 828664 | xxxxxx | 33294055 | xxxxxx | 04/23/2025 | 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 Reinspection Fee. Fee Amount of $235.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7552) | Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $235.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-02): SitusAMC received COC dated xxxxxx along with the UW snip.<br>Reviewer Comment (2025-04-29): SitusAMC received rebuttal stating appraisal re-inspection was charged from Initial LE. However, on LE dated xxxxxx additional 1004 D Final Inspection fee charged. Therefore, we would require a valid reason as to why the 1004 D Final Inspection fee were charged on LE dated xxxxxx or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-04-28): SitusMC received LOE but there is no information provided for why the 1004D Final Inspection fees were added on LE dated xxxxxx .<br> 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 is required. | 05/02/2025 |  |  | 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 | 828664 | xxxxxx | 33294067 | xxxxxx | 04/23/2025 | 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 not provided |  | Reviewer Comment (2025-04-24): Updated HOI provided | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829100 | xxxxxx | 33184912 | xxxxxx | 04/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Property is a Non-Arm's length purchase. Per title and property report in file there is a xxxxxx $xxxxxx mortgage on the property. Purchase between family members requires a 12-month mortgage history for the existing mortgage confirming the family sale is not a foreclosure bailout. |  | Reviewer Comment (2025-04-21): Received VOM. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | 33031923 | xxxxxx | 03/18/2025 | 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 (2025-03-24): Updated fraud searches provided<br>Reviewer Comment (2025-03-24): Received xxxxxx document. Provide OFAC search run on Settlement Agent xxxxxx. Exception remains. | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | 33039087 | xxxxxx | 03/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception was granted for current first mortgage not showing on credit. | 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 (2025-03-24): Client elects to waive with verified compensation factors |  |  | 03/24/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | 33039390 | xxxxxx | 03/18/2025 | 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 $7.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-03-14): Sufficient Cure Provided At Closing |  | 03/14/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | 33073821 | xxxxxx | 03/18/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The REO section on the Final 1003 reflects the borrower's current primary residence, which is also the subject property, as an investment vs. primary. |  | Reviewer Comment (2025-03-24): Updated 1003 provided | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | 33074372 | xxxxxx | 03/18/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Provide the credit payoffs for xxxxxx and xxxxxx Card as a lesser balance was paid off through closing than reflected on the most recent gap report. |  | Reviewer Comment (2025-04-09): Received corrected 1003 and 1008. Exception cleared.<br>Reviewer Comment (2025-03-27): The 1003/1008 reflects excessive monthly debt which is incorrect and a DTI of 57%. Please review the most recent gap report dated xxxxxx and add those monthly balances and debt to the DTI. Provide the corrected and accurate 1008/1003.<br>Reviewer Comment (2025-03-24): The 1003/1008 still reflect the debts as paid through closing. Add them back to the ratios.<br>Reviewer Comment (2025-03-19): Debt added back into the ratios per client request. Provide the updated 1008/1003 adding debt back in. | 04/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | 33074430 | xxxxxx | 03/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  |  |  | Reviewer Comment (2025-03-19): xxxxxx provided with HOA dues | 03/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829284 | xxxxxx | 32944694 | xxxxxx | 03/05/2025 | 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 (2025-03-07): FTP provided | 03/07/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 829284 | xxxxxx | 32944696 | xxxxxx | 03/05/2025 | 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 (2025-03-07): FTP provided | 03/07/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 829284 | xxxxxx | 32965490 | xxxxxx | 03/05/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal addendum reflects the appraisal was updated xxxxxx . The appraisal in file is dated xxxxxx . Provide the appraisal prior to updates being requested. |  | Reviewer Comment (2025-03-20): Per the client, this is the original appraisal that was sent to the Lender.<br>Reviewer Comment (2025-03-07): The LOE is not acceptable. If an appraisal was submitted and then updates requested, the prelim needs to be obtained and provided prior to any updates. | 03/20/2025 |  |  | 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 | 829374 | xxxxxx | 32997188 | xxxxxx | 03/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-03-18): Received Certificate of Good good standing. Exception cleared. | 03/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 829374 | xxxxxx | 32997234 | xxxxxx | 03/11/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 | Note date: xxxxxx; Lien Position: 1 | The lender pulled 3 BPO's dated xxxxxx and xxxxxx Only 1 of the 3 BPO's support the value. The xxxxxx value xxxxxx, xxxxxx value xxxxxx and xxxxxx value xxxxxx. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-03-19): The client elects to waive. The 3rd BPO used to support the primary valuation was in the correct format, including commercial sales and income. The first one, dated xxxxxx , was a Drive-by BPO, and the 2nd one, dated xxxxxx , did not contain income information.<br>Reviewer Comment (2025-03-19): Graded EV2B as initial valuation was a full commercial appraisal along with supporting BPOs.<br>Reviewer Comment (2025-03-12): This is a DSCR loan therefore income information would not have any bearing on this. Since all 3 BPO's were provided, the must be analyzed and considered. The only way to clear this condition is to get a higher tiered product which would be another appraisal. |  |  | 03/19/2025 | 2 C B D | C B | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 829374 | xxxxxx | 32997927 | xxxxxx | 03/11/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: BPO / Valuation Report date: xxxxxx, Valuation Type: BPO / Valuation Report date: xxxxxx | xxxxxx vs xxxxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-03-19): The client elects to waive. |  |  | 03/19/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 829374 | xxxxxx | 32997972 | xxxxxx | 03/11/2025 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 35.00% | Guarantor must have 50% ownership. Per OA, borrower has 35%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-03-18): Client elects to waive with verified compensation factors |  |  | 03/18/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 829374 | xxxxxx | 33000422 | xxxxxx | 03/11/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: 1-4 Family Rider was not provided. |  | The 1-4 Family Rider does not reflect the Entity by Guarantor. Provide the corrected rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-04-23): Client elects to waive with verified compensation factors |  |  | 04/23/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D B |  | N/A | No | Property Focused |
| xxxxxx | 829378 | xxxxxx | 33203383 | xxxxxx | 02/13/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | PUD rider not provided in file. |  | Reviewer Comment (2025-02-20): PUD rider received & associated. Exception cleared. | 02/20/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829378 | xxxxxx | 33203384 | xxxxxx | 02/13/2025 | 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 in file. |  | Reviewer Comment (2025-02-20): Initial Rate lock document received & associated. Exception cleared. | 02/20/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829378 | xxxxxx | 33203387 | xxxxxx | 02/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for non-borrower account holder on a bank statement loan is approved. | 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. | Reviewer Comment (2025-02-20): Client elects to waive with comp factors. |  |  | 02/20/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829378 | xxxxxx | 33203388 | xxxxxx | 02/13/2025 | 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) | The appraisal was received by the borrower prior to the effective date of the appraisal in the loan file. The earlier dated appraisal is missing from the loan file. |  | Reviewer Comment (2025-03-03): Client elects to waive.<br>Reviewer Comment (2025-02-27): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. Appraisal was sent on xxxxxx and note date is xxxxxx 3 business days requirement not met.<br>Reviewer Comment (2025-02-24): The appraisal report is dated xxxxxx however the appraisal receipt date is xxxxxx which is prior to the report date. |  |  | 03/03/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829378 | xxxxxx | 33203389 | xxxxxx | 02/13/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.44290% or Final Disclosure APR of 9.51100% is equal to or greater than the threshold of APOR 6.98% + 1.5%, or 8.48000%. Non-Compliant Higher Priced Mortgage Loan. | The appraisal was received by the borrower prior to the effective date of the appraisal in the loan file. The earlier dated appraisal is missing from the loan file. |  | Reviewer Comment (2025-02-27): Appraisal delivery confirmation document received, Exception Cleared.<br>Reviewer Comment (2025-02-24): Received the acknowledgement of the receipt of the appraisal report however there is no documentation in the file to verify the date of when the appraisal dated xxxxxx was received.<br>Reviewer Comment (2025-02-20): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.44290% or Final Disclosure APR of 9.51100% is equal to or greater than the threshold of APOR 6.93% + 1.5%, or 8.43000%. Non-Compliant Higher Priced Mortgage Loan. | 02/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829378 | xxxxxx | 33203390 | xxxxxx | 02/13/2025 | 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 | The appraisal was received by the borrower prior to the effective date of the appraisal in the loan file. The earlier dated appraisal is missing from the loan file. |  | Reviewer Comment (2025-02-27): Appraisal delivery confirmation document received, Exception Cleared.<br>Reviewer Comment (2025-02-24): Received the acknowledgement of the receipt of the appraisal report however there is no documentation in the file to verify the date of when the appraisal dated xxxxxx was received. | 02/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829378 | xxxxxx | 33203392 | xxxxxx | 02/27/2025 | 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 | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-03-03): Client elects to waive. |  |  | 03/03/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855258 | xxxxxx | 02/20/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  | Reviewer Comment (2025-02-24): Received E-sign Consent Agreement. Exception cleared. | 02/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855374 | xxxxxx | 02/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full report not provided. Must include all participants. |  | Reviewer Comment (2025-02-26): Received Fraud Report. Exception cleared. | 02/26/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855379 | xxxxxx | 02/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 1) Provide Verification of Mortgage of 12 months as provided on file is only for 9 months Mortgage Statement. 2) Credit Report dated xxxxxx shows two open mortgages with xxxxxx and xxxxxx. Missing evidence that the mortgage with xxxxxx was paid off with the new xxxxxx mortgage. |  | Reviewer Comment (2025-02-28): Received pay history for the primary property. Exception cleared.<br>Reviewer Comment (2025-02-25): Received Final CD and payoff from xxxxxx. Final CD reflects xxxxxx paid off xxxxxx xxxxxx (per credit report transferred to xxxxxx). Still pending receipt of item #1 (12 month housing history) or proof property was free and clear prior to xxxxxx xxxxxx) mortgage lien. | 02/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855393 | xxxxxx | 02/20/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: 49 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-02-26): Received CDA. Exception cleared.<br>Reviewer Comment (2025-02-24): Condition was reviewed and is accurate. A PCR is not a secondary valuation. A secondary valuation (CDA, ARR, etc) is required for securitization. | 02/26/2025 |  |  | 1 D A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855451 | xxxxxx | 02/20/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | There is an appraisal delivery in file dated xxxxxx . Provide the corresponding appraisal. |  | Reviewer Comment (2025-02-26): Lender attestation provided on no additional appraisals.<br>Reviewer Comment (2025-02-24): Please provide an attestation on company letter head to the loan file on what transpired. | 02/26/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855506 | xxxxxx | 02/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - xxxxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Page 4 of the CD did not disclose non-escrow property costs correctly. |  | Reviewer Comment (2025-02-26): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 02/26/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855507 | xxxxxx | 02/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - xxxxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Page 4 of the CD did not disclose non-escrow property costs correctly. |  | Reviewer Comment (2025-02-26): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 02/26/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855508 | xxxxxx | 02/20/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | There is no existing 2nd lien held by Lender that was paid off through closing. H-8 should have been utilized. |  | Reviewer Comment (2025-04-07): An updated NORTC on the correct H-8 form with proof of delivery and the rescission period has expired.<br>Reviewer Comment (2025-04-04): The LOE with evidence of delivery for the new NORTC dated xxxxxx was not found<br>Reviewer Comment (2025-03-27): The same RTC forms were provided with the dates altered on the expiration date and signature date. The font type/ink does not match the signatures. Provide the correct forms re-opening rescission, LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2025-03-26): The date cannot just be added to the old RTC forms and sent to the borrower. Rescission needs to be re-opened for both borrowers.<br>Reviewer Comment (2025-03-19): The correct H-8 forms do not have expiration dates. Rescission will need to be re-opened for both individuals. LOE to borrower, evidence of delivery to borrower and re-opening of rescission required. | 04/07/2025 |  |  | 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 | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855515 | xxxxxx | 02/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose the Monthly Escrow Payment. (Final xxxxxx) | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose the Monthly Escrow Payment. (Final xxxxxx |  | Reviewer Comment (2025-02-14): Sufficient Cure Provided At Closing |  | 02/14/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855516 | xxxxxx | 02/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | 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 CD does not reflect a reason why an escrow account was not established. |  | Reviewer Comment (2025-02-26): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 02/26/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32855518 | xxxxxx | 02/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 of the CD did not disclose non-escrow property costs correctly. |  | Reviewer Comment (2025-02-26): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 02/26/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B D A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | 32866722 | xxxxxx | 02/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Paystubs | 1) Per guidelines, if returns are dated > 120 days from closing, a YTD P&L is required. Last filed return provided is 2023. 2) Per guidelines, when a borrower W2's themself on SE, a YTD paystub is required. |  | Reviewer Comment (2025-03-19): Received W-2 for 2024. Loan application is dated xxxxxx and we have received YTD P&L up to and including the most recent month preceding the loan application date that is xxxxxx . Exception cleared.<br>Reviewer Comment (2025-02-26): Received the 2024 P&L. 1) Pending receipt of YTD P&L for 2025 as required per guidelines. 2) Invoice is not acceptable for YTD paystub. Provide the YTD paystub as required per guidelines. | 03/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 829632 | xxxxxx | 33210380 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the final closing statement to support the property on xxxxxx was sold at or prior to closing and supports the mortgage lien on credit paid in full. |  | Reviewer Comment (2025-04-29): Received Warranty Deed and Full deed of release. Exception cleared. | 04/29/2025 |  |  | 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 | 829726 | xxxxxx | 33056474 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, is missing from the report. |  | Reviewer Comment (2025-03-25): Received updated Fraud Report. Fraud and OFAC run on the settlement agent. Exception cleared. | 03/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33056488 | xxxxxx | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Corrected Title commitment to reflect correct address. Unit xxxxxx Vs Unit xxxxxx. |  | Reviewer Comment (2025-04-14): Received updated Note with updated unit number. See added conditions as a result.<br>Reviewer Comment (2025-04-04): Corrected Note, Mortgage, Loan Agreement, Flood Cert, HOI, Flood Insurance, letter of intent to re-record the mortgage, and an LOE to the borrower and proof of delivery. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33056553 | xxxxxx | 03/20/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Blanket policy expires on xxxxxx and no renewal policy was provided. |  | Reviewer Comment (2025-03-25): Per client, they are not requiring an updated master policy. Requested clearance. However, in trailing documents, updated master HOI was provided. | 03/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33056722 | xxxxxx | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow the appraiser not to update the report per the condo questionnaire, including occupancy information for the project. | 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 currently owns 12 properties.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-03-20): Client elects to waive with verified compensation factors |  |  | 03/20/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33089136 | xxxxxx | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow a condo with timeshare characteristics. The subject property is not a timeshare per HOA letter and title/legal description. | 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 currently owns 12 properties.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-03-20): Client elects to waive with verified compensation factors |  |  | 03/20/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33275062 | xxxxxx | 04/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | New Note provided post-review. HO6 policy does not reflect the correct unit number |  | Reviewer Comment (2025-04-28): Updated HO6 provided | 04/28/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33275063 | xxxxxx | 04/14/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | New Note provided post-review. Provide the corrected DOT + Riders, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | 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 currently owns 12 properties.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-17): LOE to borrower provided. Pending receipt of corrected DOT + Riders, evidence of delivery to the borrower and lender's letter of intent to re-record. |  |  | 04/24/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33275064 | xxxxxx | 04/14/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | New Note provided post-review. Flood Certificate does not reflect the correct unit number |  | Reviewer Comment (2025-04-17): Updated flood cert provided | 04/17/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33275065 | xxxxxx | 04/14/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | New Note provided post-review. 1003 does not reflect the correct unit number |  | Reviewer Comment (2025-04-18): Corrected 1003 provided<br>Reviewer Comment (2025-04-17): 1003 only corrected REO section. The subject property address on page 7. | 04/18/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33275066 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | New Note provided post-review. Final CD does not reflect the correct unit number. |  | Reviewer Comment (2025-04-17): Corrected PC-CD provided | 04/17/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829726 | xxxxxx | 33275067 | xxxxxx | 04/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | New Note provided post-review. Provide the LOE to borrower and evidence of delivery to the borrower. |  | Reviewer Comment (2025-04-24): LOE to borrower and evidence of delivery to borrower provided<br>Reviewer Comment (2025-04-17): LOE provided. Pending receipt of evidence of delivery to the borrower. | 04/24/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829903 | xxxxxx | 33077506 | xxxxxx | 03/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-03-26): Received approval. Exception cleared. | 03/26/2025 |  |  | 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 | 829903 | xxxxxx | 33077507 | xxxxxx | 03/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report not provided. Must contain all participants. |  | Reviewer Comment (2025-03-27): Received updated Fraud Report. Fraud and OFAC run on the settlement agent xxxxxx. Exception cleared.<br>Reviewer Comment (2025-03-26): Received Fraud Report. However, OFAC search is not run on settlement agent "xxxxxx". Exception remains. | 03/27/2025 |  |  | 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 | 829903 | xxxxxx | 33077774 | xxxxxx | 03/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | 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) | Estimated Property Costs over Year 1 is not available on final CD page 4 dated xxxxxx . |  | Reviewer Comment (2025-04-04): Situsamc Received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-04-03): SitusAMC received corrected PCCD. Missing LOE to accompanied CD. Please provide LOE to cure. |  | 04/04/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 829903 | xxxxxx | 33077775 | xxxxxx | 03/24/2025 | 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) | Estimated Property Costs over Year 1 is not available on final CD page 4 dated xxxxxx . |  | Reviewer Comment (2025-04-04): Situsamc Received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-04-03): SitusAMC received corrected PCCD. Missing LOE to accompanied CD. Please provide LOE to cure. |  | 04/04/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 829903 | xxxxxx | 33077832 | xxxxxx | 03/24/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  | Reviewer Comment (2025-03-26): Received E-sign Consent Agreement. Exception cleared. | 03/26/2025 |  |  | 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 | 829906 | xxxxxx | 33219032 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-04-18): Received Guarantor Agreement. Exception cleared.<br>Reviewer Comment (2025-04-17): No new documents were uploaded in clarity. Provide document as requested on the original condition. Exception remains. | 04/18/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 829906 | xxxxxx | 33219037 | xxxxxx | 04/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. A new business account document was provided that reflects names of individuals not on the loan. |  | Reviewer Comment (2025-04-24): Received Articles of Org with borrower as only member, business account authorization as only member and same name affidavit reflecting Guarantor also goes by name listed on business account authorization documents from the bank.<br>Reviewer Comment (2025-04-22): No new document was received. Provide the document as requested on the comment dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-04-21): Received operating agreement which was already in file for the borrowing LLC. Provide ownership for xxxxxx. Exception remains. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830027 | xxxxxx | 33308339 | xxxxxx | 04/23/2025 | 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 (2025-04-24): Received Credit Report - Gap. Exception cleared. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 830027 | xxxxxx | 33308657 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The Final Title Policy reflects borrower and non-borrower vested. However, DOT only reflects borrower vested. |  | Reviewer Comment (2025-05-01): Email from title with correction provided<br>Reviewer Comment (2025-04-29): The incorrect and correct FTP's are dated the same. Provide evidence of which was provided last (i.e. email from title with udpates)<br>Reviewer Comment (2025-04-24): The gap report does not clear this condition. Condition pertains to the Final Title policy vesting. | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 830027 | xxxxxx | 33323294 | xxxxxx | 04/23/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost and Higher Priced 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 and one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Initial 1003, dec page, reflects intent to occupy. Provide the lender attesation on error. |  | Reviewer Comment (2025-04-24): Lender attestation provided as well as final signed 1003 in file is correct. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33097083 | xxxxxx | 03/27/2025 | 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 Settlement Agent, xxxxxx is missing. |  | Reviewer Comment (2025-04-01): Received Loan Participant Analysis. Fraud and OFAC run on the settlement agent. Exception cleared. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33097545 | xxxxxx | 03/27/2025 | 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: 11, | Please provide February 2024 month xxxxxx Statement xxxxxx as it is missing from the file. |  | Reviewer Comment (2025-03-28): Received February 2024 month xxxxxx Statement xxxxxx. Exception cleared. | 03/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33097647 | xxxxxx | 03/27/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Please provide evidence of the new PITIA for the property xxxxxx. |  | Reviewer Comment (2025-03-28): Received Note and Closing Disclosure. Exception cleared. | 03/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33097654 | xxxxxx | 03/27/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-02): Received E-Sign Consent Agreement. Exception cleared.<br>Reviewer Comment (2025-03-31): The E-sign agreement is not dated | 04/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33113744 | xxxxxx | 03/27/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per guidelines, the qualifying business used for income must be in operation for 2 years. Per the OA, xxxxxx has been in business since xxxxxx or 1.64 years. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-03-31): Client elects to waive with verified compensation factors |  |  | 03/31/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33113951 | xxxxxx | 03/27/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the corrected 1003. Borrower purchased new primary on xxxxxx on xxxxxx . |  | Reviewer Comment (2025-03-31): Updated 1003 provided | 03/31/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114010 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (xxxxxx/Bank Statements) | Please provide February 2024 month xxxxxx Statement xxxxxx as it is missing from the file. |  | Reviewer Comment (2025-03-28): Additional bank statement provided | 03/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114014 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Estimated taxes, insurance an assessments were not disclosed on page 1 or 4 of the final CD. |  | Reviewer Comment (2025-04-08): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-04-03): SitusAMC received Post CD and LOX. However, the LOX doesn't specify about the changes necessitated on Post CD. Kindly provide detail LOX for the changes necessitated on Post CD page 4 Non escrow property cost over year 1.<br>Reviewer Comment (2025-04-02): SitusAMC received PCCD. Property costs reflected on PCCD of xxxxxx. Loan file indicates Costs of $22,463.88. These itemized costs of ($xxxxxx monthly tax/$xxxxxx monthly ins) totaling $xxxxxx monthly. Please provide corrected PCCD and LOE to cure or verification of updated amounts, or provide documentation of escrow calculation. |  | 04/08/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114015 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Estimated taxes, insurance an assessments were not disclosed on page 1 or 4 of the final CD. |  | Reviewer Comment (2025-04-08): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-04-03): SitusAMC received Post CD and LOX. However, the LOX doesn't specify about the changes necessitated on Post CD. Kindly provide detail LOX for the changes necessitated on Post CD page 4 Non escrow property cost over year 1.<br>Reviewer Comment (2025-04-02): SitusAMC received PCCD. Property costs reflected on PCCD of xxxxxx. Loan file indicates Costs of $22,463.88. These itemized costs of ($xxxxxxmonthly tax/$xxxxxx monthly ins) totaling $xxxxxx monthly. Please provide corrected PCCD and LOE to cure or verification of updated amounts, or provide documentation of escrow calculation. |  | 04/08/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114016 | xxxxxx | 03/27/2025 | 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 an assessments were not disclosed on page 1 or 4 of the final CD. |  | Reviewer Comment (2025-04-08): SitusAMC received corrected PCCD and LOE<br>Reviewer Comment (2025-04-03): SitusAMC received Post CD and LOX. However, the LOX doesn't specify about the changes necessitated on Post CD. Kindly provide detail LOX for the changes necessitated on Post CD page 1 Estimated taxes,insurance & Assessments.<br>Reviewer Comment (2025-04-01): SitusAMC received PCCD. Property costs reflected on PCCD of xxxxxx. Loan file indicates Costs of $22,463.88. These itemized costs of ($xxxxxxmonthly tax/$xxxxxx monthly ins) totaling $xxxxxx monthly. Please provide corrected PCCD and LOE to cure or verification of updated amounts. |  | 04/08/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Investment | 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 | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114017 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - xxxxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Estimated taxes, insurance an assessments were not disclosed on page 1 or 4 of the final CD. |  | Reviewer Comment (2025-04-08): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-04-08): SitusAMC received PCCD and LOE. Property costs reflected on PCCD of xxxxxx. Loan file indicates Costs of $22,463.88. These itemized costs of ($xxxxxx monthly tax/$xxxxxx monthly ins) totaling $xxxxxx monthly. Please provide corrected PCCD and LOE to cure or verification of updated amounts.<br>Reviewer Comment (2025-04-03): SitusAMC received Post CD and LOX. However, the LOX doesn't specify about the changes necessitated on Post CD. Kindly provide detail LOX for the changes necessitated on Post CD page 4 Non escrow property cost over year 1.<br>Reviewer Comment (2025-04-01): SitusAMC received PCCD. Property costs reflected on PCCD of xxxxxx. Loan file indicates Costs of $22,463.88. These itemized costs of ($xxxxxx monthly tax/$xxxxxx monthly ins) totaling $xxxxxx monthly. Please provide corrected PCCD and LOE to cure or verification of updated amounts. |  | 04/08/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114018 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose the Monthly Escrow Payment. (Final xxxxxx) | Estimated taxes, insurance an assessments were not disclosed on page 1 or 4 of the final CD. |  | Reviewer Comment (2025-04-08): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 04/08/2025 |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114019 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Estimated taxes, insurance an assessments were not disclosed on page 1 or 4 of the final CD. |  | Reviewer Comment (2025-04-08): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-04-03): SitusAMC received Post CD and LOX. However, the LOX doesn't specify about the changes necessitated on Post CD. Kindly provide detail LOX for the changes necessitated on Post CD page 4 for " will not have an escrow account box".<br>Reviewer Comment (2025-04-02): SitusAMC received PCCD. Property costs reflected on PCCD of xxxxxx. Loan file indicates Costs of $22,463.88. These itemized costs of ($xxxxxx monthly tax/$xxxxxx monthly ins) totaling $xxxxxx monthly. Please provide corrected PCCD and LOE to cure or verification of updated amounts, or provide documentation of escrow calculation. |  | 04/08/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114020 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Estimated taxes, insurance an assessments were not disclosed on page 1 or 4 of the final CD. |  | Reviewer Comment (2025-04-08): SitusAMC received corrected PCCD and LOE.<br>Reviewer Comment (2025-04-03): SitusAMC received Post CD and LOX. However, the LOX doesn't specify about the changes necessitated on Post CD. Kindly provide detail LOX for the changes necessitated on Post CD page 4 for " will not have an escrow account box".<br>Reviewer Comment (2025-04-01): SitusAMC received PCCD, however we also require LOE which accompanied the CD to finalize. |  | 04/08/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114021 | xxxxxx | 03/27/2025 | 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 Credit Report Fee. Fee Amount of $225.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Valid COC not provided |  | Reviewer Comment (2025-03-25): Sufficient Cure Provided At Closing |  | 03/25/2025 |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114023 | xxxxxx | 03/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Please provide February 2024 month xxxxxx Statement xxxxxx as it is missing from the file. |  | Reviewer Comment (2025-03-28): Additional bank statement provided | 03/28/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | 33114068 | xxxxxx | 03/27/2025 | 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. | Please provide February 2024 month xxxxxx Statement xxxxxx as it is missing from the file. |  | Reviewer Comment (2025-03-28): Additional bank statement provided | 03/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023462 | xxxxxx | 03/18/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Lease Agreement<br> Lease Agreement<br> Lease Agreement<br> Lease Agreement | Provide the Lease Agreements. Properties appear to be recently purchased and not on Schedule E. |  | Reviewer Comment (2025-04-07): Per the IRS, rental income can be filed, in some instances, on Schedule C. Signed and dated tax returns provided for 2023. In addition, client is granting an exception to use Schedule C vs. Schedule E. See added exception. Lease no longer required.<br>Reviewer Comment (2025-03-20): Tax returns were already reviewed at time of submission. REO rental income does not report on Schedule C but Schedule E. Schedule E for 2023/2022 only reflects two properties on xxxxxx and xxxxxx. | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023466 | xxxxxx | 03/18/2025 | 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 did not reflect the title coverage amount. Supplemental report not in file. |  | Reviewer Comment (2025-03-26): Received Title Supplement. Exception cleared. | 03/26/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023551 | xxxxxx | 03/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Provide the divorce decree to support the alimony payments listed on the 1003 of xxxxxx/month. Also, must verify if any child support is being paid. |  | Reviewer Comment (2025-03-26): Received divorce decree to support the alimony payments listed on the 1003 of xxxxxx/month. Exception cleared. | 03/26/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023580 | xxxxxx | 03/18/2025 | 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. | Provide the Lease Agreements. Properties appear to be recently purchased and not on Schedule E. |  | Reviewer Comment (2025-04-07): Per the IRS, rental income can be filed, in some instances, on Schedule C. Signed and dated tax returns provided for 2023. In addition, client is granting an exception to use Schedule C vs. Schedule E. See added exception. Lease no longer required.<br>Reviewer Comment (2025-03-26): Rental income cannot be calculated off of Schedule C. If these are businesses, the losses will need to be included in the ratios and P&L's provided for all businesses, as wells as lease agreements will be required for all properties as rental income is needed to qualify. | 04/07/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023581 | xxxxxx | 03/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Provide the Lease Agreements. Properties appear to be recently purchased and not on Schedule E. |  | Reviewer Comment (2025-04-07): Per the IRS, rental income can be filed, in some instances, on Schedule C. Signed and dated tax returns provided for 2023. In addition, client is granting an exception to use Schedule C vs. Schedule E. See added exception. Lease no longer required.<br>Reviewer Comment (2025-03-26): Rental income cannot be calculated off of Schedule C. If these are businesses, the losses will need to be included in the ratios and P&L's provided for all businesses, as wells as lease agreements will be required for all properties as rental income is needed to qualify. | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023582 | xxxxxx | 03/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx xxxxxx % Vacancy Method) | Provide the Lease Agreements. Properties appear to be recently purchased and not on Schedule E. |  | Reviewer Comment (2025-04-07): Per the IRS, rental income can be filed, in some instances, on Schedule C. Signed and dated tax returns provided for 2023. In addition, client is granting an exception to use Schedule C vs. Schedule E. See added exception. Lease no longer required.<br>Reviewer Comment (2025-03-26): Rental income cannot be calculated off of Schedule C. If these are businesses, the losses will need to be included in the ratios and P&L's provided for all businesses, as wells as lease agreements will be required for all properties as rental income is needed to qualify. | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023583 | xxxxxx | 03/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx xxxxxx % Vacancy Method) | Provide the Lease Agreements. Properties appear to be recently purchased and not on Schedule E. |  | Reviewer Comment (2025-04-07): Per the IRS, rental income can be filed, in some instances, on Schedule C. Signed and dated tax returns provided for 2023. In addition, client is granting an exception to use Schedule C vs. Schedule E. See added exception. Lease no longer required.<br>Reviewer Comment (2025-03-26): Rental income cannot be calculated off of Schedule C. If these are businesses, the losses will need to be included in the ratios and P&L's provided for all businesses, as wells as lease agreements will be required for all properties as rental income is needed to qualify. | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023584 | xxxxxx | 03/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx xxxxxx % Vacancy Method) | Provide the Lease Agreements. Properties appear to be recently purchased and not on Schedule E. |  | Reviewer Comment (2025-04-07): Per the IRS, rental income can be filed, in some instances, on Schedule C. Signed and dated tax returns provided for 2023. In addition, client is granting an exception to use Schedule C vs. Schedule E. See added exception. Lease no longer required.<br>Reviewer Comment (2025-03-26): Rental income cannot be calculated off of Schedule C. If these are businesses, the losses will need to be included in the ratios and P&L's provided for all businesses, as wells as lease agreements will be required for all properties as rental income is needed to qualify. | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33023586 | xxxxxx | 03/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Provide the Lease Agreements. Properties appear to be recently purchased and not on Schedule E. |  | Reviewer Comment (2025-04-07): Per the IRS, rental income can be filed, in some instances, on Schedule C. Signed and dated tax returns provided for 2023. In addition, client is granting an exception to use Schedule C vs. Schedule E. See added exception. Lease no longer required.<br>Reviewer Comment (2025-03-26): Rental income cannot be calculated off of Schedule C. If these are businesses, the losses will need to be included in the ratios and P&L's provided for all businesses, as wells as lease agreements will be required for all properties as rental income is needed to qualify. | 04/07/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | 33198240 | xxxxxx | 04/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor granting an exception to utilize Schedule C vs. Schedule E for rental income. | 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 (2025-04-07): The client elects to waive. |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830226 | xxxxxx | 33002984 | xxxxxx | 03/13/2025 | 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) | Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. Est taxes, Ins & Assessments on 1st page is blank, the questions were not answered. |  | Reviewer Comment (2025-04-07): SitusAMC Received Letter of Explanation and Corrected PCCD<br>Reviewer Comment (2025-03-24): SitusAMC received PCCD. Missing LOE to borrower. |  | 04/07/2025 |  | 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 if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 830226 | xxxxxx | 33002985 | xxxxxx | 03/13/2025 | 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 0.00 on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxxxx are under disclosed. Est taxes, Ins & Assessments on 1st page and 4 is blank, the questions were not answered. |  | Reviewer Comment (2025-04-07): SitusAMC Received Letter of Explanation and Corrected PCCD<br>Reviewer Comment (2025-03-25): SitusAMC Escrow waiver agreement. However, we would also require LOX to the borrower in order to clear the exception.<br>Reviewer Comment (2025-03-24): SitusAMC received PCCD. Missing LOE to borrower. |  | 04/07/2025 |  | 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 | 830226 | xxxxxx | 33009469 | xxxxxx | 03/13/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file for xxxxxx property on xxxxxx acres. | 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 21% or $1,439.49.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-03-14): Client elects to waive with verified compensation factors |  |  | 03/14/2025 | 2 C B | C 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 | 830226 | xxxxxx | 33011635 | xxxxxx | 03/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement, Paystubs, Third Party Verification | 1) If the borrower pays themselves wage income, a YTD paystub must be included in the file. (Land Management). 2) Provide the YTD P&L and third party verification of SE for 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 21% or $1,439.49.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-11): Received Third Party Verification for xxxxxx. Pending receipt of YTD paystub for Land Management. Exception remains.<br>Reviewer Comment (2025-04-04): Received YTD P&L for xxxxxx. Also received YTD details for Land Management which is not acceptable. Provide proper YTD paystub for Land Management.2) Provide third party verification of SE for xxxxxx. Exception remains.<br>Reviewer Comment (2025-03-24): Received YTD P&L for xxxxxx is dated xxxxxx , that is not signed and Certificate of Good Standing for xxxxxx. However, provide 2024 YTD P&L for xxxxxx. Also provide YTD paystub for xxxxxx. Exception remains. |  |  | 04/15/2025 | 2 C B | C 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 | 830226 | xxxxxx | 33029689 | xxxxxx | 03/13/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | xxxxxx. A lesser balance was paid than on the most recent credit report. |  | Reviewer Comment (2025-03-24): Received Mortgage Loan Payoff Statement. Exception cleared. | 03/24/2025 |  |  | 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 | 830226 | xxxxxx | 33029822 | xxxxxx | 03/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-03-24): Received Credit Report - Gap. Exception cleared. | 03/24/2025 |  |  | 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 | 830431 | xxxxxx | 33006833 | xxxxxx | 03/13/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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 (2025-03-13): Client elects to waive |  |  | 03/13/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830431 | xxxxxx | 33006840 | xxxxxx | 03/13/2025 | 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 (2025-03-25): Received Title document with coverage amount. Exception cleared. | 03/25/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830431 | xxxxxx | 33006983 | xxxxxx | 03/13/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date xxxxxx . Provide the corresponding appraisal dated xxxxxx . |  | Reviewer Comment (2025-03-24): Received corresponding appraisal dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-03-19): The same appraisal was provided that was in file at time of review. Please review the original condition. The CDA reflects an appraisal was reviewed with a completion date xxxxxx . Provide the corresponding appraisal dated xxxxxx . | 03/24/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830431 | xxxxxx | 33007005 | xxxxxx | 03/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | 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) | Estimated taxes, insurance and assessments were not disclosed on the Final CD - Page 1 and 4 |  | Reviewer Comment (2025-04-01): SitusAMC Received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-03-31): SitusAMC received corrected Closing disclosure. However, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation.<br>Reviewer Comment (2025-03-25): SitusAMC received corrected PCCD and LOE. Property costs reflected on PCCD of xxxxxx. Loan file indicates Costs of $xxxxxx. These itemized costs of ($xxxxxx tax/$xxxxxxins) totaling $xxxxxx or $xxxxxx/month. Please provide PCCD and LOE to cure or verification of updated amounts. |  | 04/01/2025 |  | 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 | 830431 | xxxxxx | 33007017 | xxxxxx | 03/13/2025 | 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 were not disclosed on the Final CD - Page 1 and 4 |  | Reviewer Comment (2025-03-25): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 03/25/2025 |  | 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 | 830431 | xxxxxx | 33007018 | xxxxxx | 03/13/2025 | 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) | Estimated taxes, insurance and assessments were not disclosed on the Final CD - Page 1 and 4 |  | Reviewer Comment (2025-03-25): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 03/25/2025 |  | 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 | 830431 | xxxxxx | 33007019 | xxxxxx | 03/13/2025 | 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 CD on page 4 did not disclose a reason for no escrows. |  | Reviewer Comment (2025-03-25): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 03/25/2025 |  | 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 | 830431 | xxxxxx | 33007031 | xxxxxx | 03/13/2025 | 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 $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-03-25): SitusAMC received detailed COC dated xxxxxx for adding the fee.<br>Reviewer Comment (2025-03-20): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Appraisal Desk review 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. | 03/25/2025 |  |  | 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 | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 830431 | xxxxxx | 33011082 | xxxxxx | 03/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx xxxxxx Form 1007 or 1025, with Market Rents, Lease Agreement, Other | Subject ADU: Provide Two Months Rental Income, 1007 or 1025, with Market Rents and Lease Agreement. |  | Reviewer Comment (2025-04-08): Received Lease agreement and 2 months of receipt. Exception cleared.<br>Reviewer Comment (2025-03-27): Received 1007 for ADU. Provide Two Months Rental Income and Lease agreement. Exception remains. | 04/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830431 | xxxxxx | 33030556 | xxxxxx | 03/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement |  |  | Reviewer Comment (2025-03-24): Received P&L statement for Sole Proprietor income. Exception cleared. | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830444 | xxxxxx | 33441066 | xxxxxx | 04/14/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report not provided. |  | Reviewer Comment (2025-04-21): Provided fraud report has all 3 borrowers. Exception cleared.<br>Reviewer Comment (2025-04-17): Provided fraud report is already present in the file. Require fraud report for xxxxxx. Exception remains | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830448 | xxxxxx | 33209443 | xxxxxx | 04/11/2025 | 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 (2025-04-14): FTP provided | 04/14/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830448 | xxxxxx | 33209905 | xxxxxx | 04/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | If property has been owned for < 6 months on rate and term, the initial purchase HUD is required. |  | Reviewer Comment (2025-04-14): Investor confirmed guidelines only require the initial settlement statement and doc improvements if a higher value is being utilized. They are accepting the value listed on the appraisal for the previous purchase price which is the same as the appraised value. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830448 | xxxxxx | 33209908 | xxxxxx | 04/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. 1st installment of taxes are delinquent and were due xxxxxx . Not paid through closing. |  | Reviewer Comment (2025-04-14): Clear FTP provided | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830513 | xxxxxx | 33089403 | xxxxxx | 03/26/2025 | 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 (2025-04-02): FTP provided | 04/02/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089508 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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>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 (2025-03-24): Client elects to waive |  |  | 03/24/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089864 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  | Reviewer Comment (2025-03-28): Received Verification of Identification. Exception cleared. | 03/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089882 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-03-28): Received Note - Senior Lien. Exception cleared. | 03/28/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089935 | xxxxxx | 03/26/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 56.08703% exceeds Guideline total debt ratio of 50.00000%. | 1040's for 2023/2022, including Schedule E was not provided for the rental income on the REO property. If property was recently purchased or rented, lease agreement was also not provided and required. |  | Reviewer Comment (2025-04-10): 2023 tax returns provided with rental income for REO property. DTI not within guidelines.<br>Reviewer Comment (2025-03-31): The LOE is not acceptable. The rental income is not for the borrower's primary residence but the REO property on xxxxxx. Further, if rental income on the primary was used to qualify from an STR ADU, then none of the guideline requirements for this were met either per section 2.7.5.4.1.4 and ADU requirements page 128. | 04/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089939 | xxxxxx | 03/26/2025 | 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. | 1040's for 2023/2022, including Schedule E was not provided for the rental income on the REO property. If property was recently purchased or rented, lease agreement was also not provided and required. |  | Reviewer Comment (2025-04-10): 2023 tax returns provided with rental income for REO property. DTI not within guidelines.<br>Reviewer Comment (2025-03-31): The LOE is not acceptable. The rental income is not for the borrower's primary residence but the REO property on xxxxxx. Further, if rental income on the primary was used to qualify from an STR ADU, then none of the guideline requirements for this were met either per section 2.7.5.4.1.4 and ADU requirements page 128. | 04/10/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089940 | xxxxxx | 03/26/2025 | 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 56.08703% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | 1040's for 2023/2022, including Schedule E was not provided for the rental income on the REO property. If property was recently purchased or rented, lease agreement was also not provided and required. |  | Reviewer Comment (2025-04-10): 2023 tax returns provided with rental income for REO property. DTI not within guidelines.<br>Reviewer Comment (2025-03-31): The LOE is not acceptable. The rental income is not for the borrower's primary residence but the REO property on xxxxxx. Further, if rental income on the primary was used to qualify from an STR ADU, then none of the guideline requirements for this were met either per section 2.7.5.4.1.4 and ADU requirements page 128. | 04/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089970 | xxxxxx | 03/26/2025 | 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 Loan Discount Points. Fee Amount of $2,213.70 exceeds tolerance of $921.20. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee increased from $921.20 on the Closing Disclosure dated xxxxxx to $2, 2313.70 on the Closing Disclosure dated xxxxxx without a valid change of circumstance. |  | Reviewer Comment (2025-03-31): SitusAMC received valid COC dated xxxxxx | 03/31/2025 |  |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089986 | xxxxxx | 03/26/2025 | 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. | 1040's for 2023/2022, including Schedule E was not provided for the rental income on the REO property. If property was recently purchased or rented, lease agreement was also not provided and required. |  | Reviewer Comment (2025-04-10): 2023 tax returns provided with rental income for REO property. DTI not within guidelines.<br>Reviewer Comment (2025-03-31): The LOE is not acceptable. The rental income is not for the borrower's primary residence but the REO property on xxxxxx. Further, if rental income on the primary was used to qualify from an STR ADU, then none of the guideline requirements for this were met either per section 2.7.5.4.1.4 and ADU requirements page 128. | 04/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33089996 | xxxxxx | 03/26/2025 | 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 (2025-04-01): Received HUD LDP List/GSA & OFAC search run on Settlement Agent xxxxxx. Exception Cleared.<br>Reviewer Comment (2025-03-31): Received HUD/GSA/LDP for xxxxxx. Provide OFAC search run on xxxxxx. Exception remains. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33102843 | xxxxxx | 03/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide the signed and dated personal returns for use of rental income and housing allowance. | 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 (2025-04-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-10): The tax returns are not signed and dated by the borrower. Tax transcripts cannot be utilized in lieu of.<br>Reviewer Comment (2025-03-31): The LOE is not acceptable. The rental income is not for the borrower's primary residence but the REO property on xxxxxx. Further, if rental income on the primary was used to qualify from an STR ADU, then none of the guideline requirements for this were met either per section 2.7.5.4.1.4 and ADU requirements page 128. |  |  | 04/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33102925 | xxxxxx | 03/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. 2 liens on title and second lien not paid through closing. |  | Reviewer Comment (2025-04-02): Clear FTP provided<br>Reviewer Comment (2025-03-28): The same title was provided that was in file at time of review. Please review the original exceptions. Provide the clear title policy. 2 liens on title and second lien not paid through closing. | 04/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33102931 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Refinance Only is not checked on Occupancy Cert |  | Reviewer Comment (2025-04-10): Updated occupancy cert provided | 04/10/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33102953 | xxxxxx | 03/26/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | 1st lien holder only reflected |  | Reviewer Comment (2025-04-11): Corrected pre-close policy provided<br>Reviewer Comment (2025-04-03): The policy info reflects effective as of xxxxxx which is post close and not acceptable.<br>Reviewer Comment (2025-03-28): The same HOI was provided that was in file at time of review. Please review the original condition. 1st lien hold only reflected for mortgagee + ISAOA | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830513 | xxxxxx | 33102962 | xxxxxx | 03/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE is dated > 10 days prior to closing and paystub is dated > 30 days prior to closing. Guidelines require the VVOE to be dated within 10 days prior to closing or the paystub to be dated within 30 days prior to closing. |  | Reviewer Comment (2025-04-04): Received VVOE dated 10 days prior to closing. Exception cleared. | 04/04/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830522 | xxxxxx | 33095251 | xxxxxx | 03/27/2025 | 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 $575.00 exceeds tolerance of $69.00. Insufficient or no cure was provided to the borrower. (7506) | Cure nor valid COC provided |  | Reviewer Comment (2025-04-02): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-03-31): SitusAMC received COC dated xxxxxx stating "New property information learned and also current market conditions".However, we would also require additional information as to what caused the market conditions to increase appraisal report. Kindly provide additional information for the fee increased or provide cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  | 04/02/2025 |  | 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 | 830522 | xxxxxx | 33095252 | xxxxxx | 03/27/2025 | 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 $71.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided |  | Reviewer Comment (2025-03-31): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 03/31/2025 |  |  | 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 | 830555 | xxxxxx | 33249113 | xxxxxx | 04/17/2025 | 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 (2025-04-18): FTP provided | 04/18/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830555 | xxxxxx | 33249126 | xxxxxx | 04/17/2025 | 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 (2025-04-18): FTP provided | 04/18/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830644 | xxxxxx | 32921931 | xxxxxx | 02/27/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-02-25): Client elects to waive |  |  | 02/25/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830644 | xxxxxx | 32922008 | xxxxxx | 02/27/2025 | 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 found |  | Reviewer Comment (2025-03-04): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 03/04/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830644 | xxxxxx | 32929609 | xxxxxx | 02/27/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) The business being used to source income must be in existence for a minimum of two (2) years as evidence 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.<br> 2) Ownership % must be verified by one of the following: CPA letter, tax preparer letter, operating agreement, or equivalent<br> An email was provided from xxxxxx, xxxxxx. It is unclear who these individuals are nor does it meet the requirements above. |  | Reviewer Comment (2025-04-02): Received Operating Agreement to verify ownership of business and existence of business. Exception cleared.<br>Reviewer Comment (2025-03-26): Received Operating Agreement, there is discrepancy in document. The company is an INC, whereas received Operating agreement is for LLC. Exception remains.<br>Reviewer Comment (2025-03-07): Received CPA letter does not have the license number of the preparer and also CPA letter is post closing. Exception remains. | 04/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830693 | xxxxxx | 33005784 | xxxxxx | 03/14/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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 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 (2025-03-14): Client elects to waive |  |  | 03/14/2025 | 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 | 830693 | xxxxxx | 33005797 | xxxxxx | 03/14/2025 | 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 (2025-03-22): The TPOL was provided with the correct coverage amount. | 03/22/2025 |  |  | 1 A | 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 | 830693 | xxxxxx | 33005800 | xxxxxx | 03/14/2025 | 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 (2025-03-22): The TPOL was provided with the correct coverage amount. | 03/22/2025 |  |  | 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 | 830693 | xxxxxx | 33005806 | xxxxxx | 03/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-04-01): Received Note - Senior Lien and Modification agreement. Exception cleared. | 04/01/2025 |  |  | 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 | 830693 | xxxxxx | 33005826 | xxxxxx | 03/14/2025 | 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 (2025-03-26): CDA provided | 03/26/2025 |  |  | 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 | 830693 | xxxxxx | 33005842 | xxxxxx | 03/14/2025 | 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 $221.91 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $221.91 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | Reviewer Comment (2025-03-10): Sufficient Cure Provided At Closing |  | 03/10/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 830693 | xxxxxx | 33012158 | xxxxxx | 03/14/2025 | 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 (2025-04-15): Fraud report provided with participants<br>Reviewer Comment (2025-04-10): Received Loan Participant Analysis which was already in file. Provide fraud report. Exception remains.<br>Reviewer Comment (2025-04-03): Received Fraud Report is not full fraud report, only contains Summary of findings and Borrower Detail Report. Provide full Fraud Report. Exception remains.<br>Reviewer Comment (2025-04-01): Received only Note and Modification Agreement. Provide full fraud report. Exception remains.<br>Reviewer Comment (2025-03-26): Received only Loan Participant Analysis, Fraud and OFAC provided for all participants. However, Full fraud Report is missing. Exception remains. | 04/15/2025 |  |  | 1 C A | C 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 | 830693 | xxxxxx | 33012494 | xxxxxx | 03/14/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file, however comp factor are incorrect. DTI is not <=36%. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<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 (2025-03-14): The client elects to waive. |  |  | 03/14/2025 | 2 C B | C 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 | 830693 | xxxxxx | 33012664 | xxxxxx | 03/14/2025 | 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 $112,034.22 is over disclosed by $58.00 compared to the calculated Amount Financed of $111,976.22 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) | Amount financed shown as $112,034.22 but calculated amount is $111,976.22. Variance of $58.00. |  | Reviewer Comment (2025-04-09): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-04-01): xxxxxx CD does not appear to change findings. Cure in the amount of $58 is required. Remediation requires PCCD, LOE, Copy of refund check, re-opening of rescission, and proof of delivery.<br>Reviewer Comment (2025-03-24): SitusAMC received blank attrestation. However, the attestation is in reference to CDA / Appraisal Desktop reviews that the AMC fee is to evaluate the accuracy and adequacy of the report. The AMC fee in question on this loan in in regard to the 1004 Appraisal report and not an CDA or Appraisal Desktop Review. Unable to utilize that the AMC fee for the 1004 appraisal was primarily for evaluating the accuracy and adequacy of that report. |  | 04/09/2025 |  | 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 | 830693 | xxxxxx | 33012665 | xxxxxx | 03/14/2025 | 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 $227,364.77 is under disclosed by $58.00 compared to the calculated Finance Charge of $227,422.77 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge was shown as $227,364.77 but calculated amount is $227,422.77. Variance of $58.00. |  | Reviewer Comment (2025-04-09): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-04-01): xxxxxx CD does not appear to change findings. Cure in the amount of $58 is required. Remediation requires PCCD, LOE, Copy of refund check, re-opening of rescission, and proof of delivery. |  | 04/09/2025 |  | 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 if Applicable B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 830693 | xxxxxx | 33038736 | xxxxxx | 03/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Senior lien mortgage statements reflects a deferred balance. Provide the deferral/modification agreement. Must meet guideline requirements. |  | Reviewer Comment (2025-04-01): Received Modification Agreement is more than 12 months old. Exception cleared. | 04/01/2025 |  |  | 1 C A | C 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 | 830693 | xxxxxx | 33226532 | xxxxxx | 04/09/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | 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. |  | Reviewer Comment (2025-04-25): An LOE to the borrowers and signed NORTC were provided allowing 3 days of rescission which ended xxxxxx <br>Reviewer Comment (2025-04-15): The same RTC form was provided that was in file at time of review. Due to the material disclosure violation, rescission needs to be re-opened. | 04/25/2025 |  |  | 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 notice of rescission model form B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 830736 | xxxxxx | 33023130 | xxxxxx | 03/18/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 56 | Note date: xxxxxx; Lien Position: 2 |  |  | Reviewer Comment (2025-03-28): Appraisal provided. CDA in file | 03/28/2025 |  |  | 1 D 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 | 830736 | xxxxxx | 33023150 | xxxxxx | 03/18/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The loan file is missing Appraisal Report. Per the CDA, an appraisal was reviewed with a completion date of xxxxxx . Also, per title property is in a PUD. Must reflect PUD and HOA dues. |  | Reviewer Comment (2025-03-28): Prelim and updated appraisal provided | 03/28/2025 |  |  | 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 | 830736 | xxxxxx | 33023297 | xxxxxx | 03/18/2025 | 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 $76,495.25 is over disclosed by $150.00 compared to the calculated Amount Financed of $76,345.25 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 $76,495.25; calculated amount financed is $76,345.25. Variance is $150.00. Variance is the $150.00 AMC fee. |  | Reviewer Comment (2025-04-17): Cure docs received |  | 04/17/2025 |  | 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, 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 | 830736 | xxxxxx | 33023298 | xxxxxx | 03/18/2025 | 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 $94,712.85 is under disclosed by $150.00 compared to the calculated Finance Charge of $94,862.85 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 an amount financed of $94,712.85; calculated amount financed is $94,862.85. Variance is $150.00 which exceeds the $35.00 threshold. Variance is the AMC fee. |  | Reviewer Comment (2025-04-17): Cure docs received |  | 04/17/2025 |  | 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, Refund check for underdisclosed amount, 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 | 830736 | xxxxxx | 33073693 | xxxxxx | 03/18/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The title reflects property is in a PUD, however a PUD rider is not attached to the DOT. Provide the corrected and executed DOT adding in the PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to the borrower and LOI. | 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 (2025-04-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-15): Received corrected and executed recorded DOT, and executed PUD rider. The Seller response is not acceptable. When documents are corrected post close, part of the cure provisions is an LOE to borrower and evidence of delivery of the LOE and a copy of all corrected documents to the borrower. Both must be provided.<br>Reviewer Comment (2025-04-14): Received executed PUD rider and executed DOT adding in the PUD rider. Provide LOE to borrower, evidence of delivery to the borrower and LOI. Exception remains. |  |  | 04/17/2025 | 2 C B | C 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 | 830737 | xxxxxx | 33085309 | xxxxxx | 03/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-03-27): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830737 | xxxxxx | 33088371 | xxxxxx | 03/25/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for subject property does not appear on the credit report. 12 month pay history for lender, 6 months payments from borrower and payoff provided. Pending receipt of copy of original note or mortgage statement. |  | Reviewer Comment (2025-03-28): Received Mortgage Statement. Exception cleared. | 03/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830737 | xxxxxx | 33100685 | xxxxxx | 03/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | 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 (2025-04-03): Client elects to waive with verified compensation factors |  |  | 04/03/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830784 | xxxxxx | 33312340 | xxxxxx | 04/23/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Missing Unit # |  | Reviewer Comment (2025-04-25): An updated flood cert was provided | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830784 | xxxxxx | 33313774 | xxxxxx | 04/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both the 1007 and xxxxxx ledger were provided with STR. Per guidelines, when short-term rental income is documented using multiple sources, the lowest source of monthly income is to be utilized for calculating DSCR. The lender utilized the higher rents from the xxxxxx ledger. There is a note in file from the lender that states 1007 was done as a yearly rental but it was not. 1 comp is a 6 month lease and 1 comp is a negotiable lease of 3,6,7,or 12 month (which both terms indicate STR). |  | Reviewer Comment (2025-05-05): Per Seller comments, they want to qualify off the lower 1007 STR x 80% | 05/05/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830824 | xxxxxx | 32937646 | xxxxxx | 03/04/2025 | 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 was not received by borrower at least three (3) business days prior to consummation |  |  | Reviewer Comment (2025-03-06): SitusAMC received CD dated xxxxxx | 03/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32937658 | xxxxxx | 03/04/2025 | 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. | 1) 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. <br> 2) Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. |  | Reviewer Comment (2025-03-06): CPA letter provided. See added exceptions for DTI and confirmation that names are one in the same. | 03/06/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D | C | A D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32937659 | xxxxxx | 03/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/Bank Statements) | 1) 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. <br> 2) Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. |  | Reviewer Comment (2025-03-06): CPA letter provided. See added exceptions for DTI and confirmation that names are one in the same. | 03/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32937660 | xxxxxx | 03/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | 1) 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. <br> 2) Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. |  | Reviewer Comment (2025-03-06): CPA letter provided. See added exceptions for DTI and confirmation that names are one in the same. | 03/06/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32937698 | xxxxxx | 03/04/2025 | 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. Any new tradeline with a balance must be included in determining the DTI ratio. |  | Reviewer Comment (2025-03-06): Received Undisclosed Debt Monitoring. Exception cleared. | 03/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32937711 | xxxxxx | 03/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Provide a copy of Note - Senior Lien along with the most recent mortgage statement for the senior lien. |  | Reviewer Comment (2025-04-07): Received Mortgage Statement. Exception cleared.<br>Reviewer Comment (2025-04-04): Received Senior Lien Note, missing most recent mortgage statement for the senior lien. Exception remains. | 04/07/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32937739 | xxxxxx | 03/04/2025 | 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 (2025-03-10): CDA provided | 03/10/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32937752 | xxxxxx | 03/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | 1) 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. <br> 2) Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage.<br> 3) The CPA letter references xxxxxx and Borrower's name is xxxxxx. xxxxxx is not an AKA on the same name affidavit. Evidence will need to be provided these individuals are one in the same. |  | Reviewer Comment (2025-04-14): Received CPA letter within 120 days from the Note Date. Exception cleared.<br>Reviewer Comment (2025-04-11): Received CPA Letter dated xxxxxx is not of the borrower, received is for xxxxxx, the CPA letter dated xxxxxx that is for borrower (xxxxxx) is dated post closing. Therefore provide CPA Letter dated within 120 days from the Note. Exception remains.<br>Reviewer Comment (2025-04-11): Received CPA License, however the CPA provided previously was post closing. Provide CPA letter dated within 120 days from the Note date. Exception remains.<br>Reviewer Comment (2025-04-08): Received CPA letter is dated post closing. Also, License number is not listed on the CPA letter. Provide updated CPA letter dated within 120 days prior to closing. Exception remains.<br>Reviewer Comment (2025-04-01): A processor cert is not acceptable for this. Provide the updated name affidavit initialed by borrower or CPA verification since the letter references the name.<br>Reviewer Comment (2025-03-06): CPA letter provided with start dates and % owned. However, the CPA references xxxxxx and Borrower's name is xxxxxx. xxxxxx is not an AKA on the same name affidavit. Evidence will need to be provided these individuals are one in the same. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32951754 | xxxxxx | 03/04/2025 | 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 (2025-03-06): Payoff provided | 03/06/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32951782 | xxxxxx | 03/04/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | xxxxxx Debt on 1003. However, this debt does not appear on the credit report. Provide evidence of monthly debt. |  | Reviewer Comment (2025-03-06): Agreement for new debt provided and added to DTI | 03/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32986264 | xxxxxx | 03/06/2025 | 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. | Per the CPA letter provided post-review, borrower owns 50% of xxxxxx. Bank Statements were not provided for xxxxxx. Updating ownership %, the DTI exceeds guidelines. |  | Reviewer Comment (2025-04-01): Additional 12 months bank statements received. | 04/01/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32986265 | xxxxxx | 03/06/2025 | 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 59.69167% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per the CPA letter provided post-review, borrower owns 50% of xxxxxx. Bank Statements were not provided for xxxxxx. Updating ownership %, the DTI exceeds guidelines. |  | Reviewer Comment (2025-04-01): Additional 12 months bank statements received. | 04/01/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32986270 | xxxxxx | 03/06/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 59.69167% exceeds Guideline total debt ratio of 50.00000%. | Per the CPA letter provided post-review, borrower owns 50% of xxxxxx. Bank Statements were not provided for xxxxxx. Updating ownership %, the DTI exceeds guidelines. |  | Reviewer Comment (2025-04-01): Additional 12 months bank statements received.<br>Reviewer Comment (2025-03-31): Received 12 months bank statement from xxxxxx. | 04/01/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32986277 | xxxxxx | 03/06/2025 | 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 the CPA letter provided post-review, borrower owns 50% of xxxxxx. Bank Statements were not provided for xxxxxx. Updating ownership %, the DTI exceeds guidelines. |  | Reviewer Comment (2025-04-01): Additional 12 months bank statements received. | 04/01/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830824 | xxxxxx | 32986310 | xxxxxx | 03/06/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-03-07): E-consent provided | 03/07/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | 33111932 | xxxxxx | 03/28/2025 | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA xxxxxxR - Individual Originator License Status Not Approved | Truth in Lending Act (xxxxxxR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Per xxxxxx, the Loan originator status reflects as Temporary Authority and license was active as of xxxxxx in the state of ID. Per regulations, LO must be active at time of application through loan closing. |  | Reviewer Comment (2025-04-15): Client elects to waive<br>Reviewer Comment (2025-04-15): Regraded to EV2-B based on LO attestation that they did not conduct business during time when license was not active. |  |  | 04/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | 33111933 | xxxxxx | 03/28/2025 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not xxxxxx Licensed at Time of Application | Truth in Lending Act (xxxxxxR Dodd- Frank 2014): Individual Loan Originator not xxxxxx licensed or registered at time of application. | Per xxxxxx, the Loan originator status reflects as Temporary Authority and license was active as of xxxxxx in the state of ID. Per regulations, LO must be active at time of application through loan closing. |  | Reviewer Comment (2025-04-15): Client elects to waive<br>Reviewer Comment (2025-04-15): Regraded to EV2-B based on LO attestation that they did not conduct business during time when license was not active. |  |  | 04/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | 33111951 | xxxxxx | 03/28/2025 | 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) | The file is missing evidence of initial Closing Disclosure. |  | Reviewer Comment (2025-04-02): SitusAMC received initial CD. | 04/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | 33111952 | xxxxxx | 03/28/2025 | 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 $6,647.10 may be required. | The file is missing a copy of the Loan Estimate. |  | Reviewer Comment (2025-04-02): SitusAMC received VCC. | 04/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | 33111974 | xxxxxx | 03/28/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-01): Received E-Sign Consent. Exception cleared. | 04/01/2025 |  |  | 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 | 830904 | xxxxxx | 33112042 | xxxxxx | 03/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-04-01): Received UDM dated xxxxxx . Exception cleared. | 04/01/2025 |  |  | 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 | 830904 | xxxxxx | 33112095 | xxxxxx | 03/28/2025 | 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 (2025-03-27): Client elects to waive |  |  | 03/27/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | 33131696 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent , xxxxxx is missing. |  | Reviewer Comment (2025-04-01): Received updated OFAC and GSA search run with the correct name on Settlement Agent, xxxxxx. Exception Cleared.<br>Reviewer Comment (2025-04-01): Received OFAC search, and GSA search for Settlement Agent run on incorrect name. Please provide OFAC search, and GSA search for Settlement Agent, xxxxxx. Exception remains. | 04/01/2025 |  |  | 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 | 830904 | xxxxxx | 33131810 | xxxxxx | 03/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There are two liens on title (items #30 and #31). One is the senior lien. The other was not paid through closing nor addressed. |  | Reviewer Comment (2025-04-07): Corrected title along with email from title on corrections provided<br>Reviewer Comment (2025-04-03): 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). | 04/07/2025 |  |  | 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 | 830904 | xxxxxx | 33132144 | xxxxxx | 03/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: The senior lien mortgage is not on credit report. The senior lien was refinanced and closed with xxxxxx in xxxxxx 24. | 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 27% or $7,422.85.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-03-27): Client elects to waive with verified compensation factors |  |  | 03/27/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | 33173177 | xxxxxx | 04/02/2025 | 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 Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal fee increased without explanation. |  | Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing |  | 04/02/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 830922 | xxxxxx | 33218456 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-17): Received SAM. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830928 | xxxxxx | 33204901 | xxxxxx | 04/10/2025 | 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. | 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 (2025-04-24): Client elects to waive with verified compensation factors |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830928 | xxxxxx | 33206981 | xxxxxx | 04/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Rural is defined as on a xxxxxx and xxxxxx. The subject is on a xxxxxx and 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-08): Client elects to waive with verified compensation factors |  |  | 04/08/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 830991 | xxxxxx | 33096176 | xxxxxx | 03/27/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-03-31): Received E-Sign Consent Agreement. Exception cleared. | 03/31/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33096201 | xxxxxx | 03/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-03-31): Received Tax Certificate. Exception cleared. | 03/31/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33113599 | xxxxxx | 03/27/2025 | 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 (2025-03-31): Received Fraud Report and OFAC search run on Settlement Agent, xxxxxx. Exception cleared. | 03/31/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33113636 | xxxxxx | 03/27/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Copy of Title is missing. |  |  |  | Reviewer Comment (2025-04-01): Received Title Commitment. Exception cleared. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33113676 | xxxxxx | 03/27/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI and RCE city do not match the Note. | 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 (2025-04-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-16): Updated RCE provided. However, please review comments from xxxxxx: The HOI policy provided reflects changes took effect xxxxxx & xxxxxx , both which are post close and not acceptable.<br>Reviewer Comment (2025-04-11): The policy provided reflects changes took effect xxxxxx which is post-close and not acceptable. Further, the corrected RCE was still not provided.<br>Reviewer Comment (2025-04-07): The updated policy is dated post-close and not acceptable. Further, the updated RCE was not provided either. |  |  | 04/16/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33152598 | xxxxxx | 04/01/2025 | 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 (2025-04-02): FTP provided | 04/02/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 830991 | xxxxxx | 33152599 | xxxxxx | 04/01/2025 | 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 (2025-04-02): FTP provided | 04/02/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831017 | xxxxxx | 33104430 | xxxxxx | 03/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date xxxxxx . Provide the corresponding appraisal. |  | Reviewer Comment (2025-03-31): Prelim report provided | 03/31/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831017 | xxxxxx | 33104606 | xxxxxx | 03/28/2025 | 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%. | Investor requested exception approval for 75% LTV. Max 70% for STR refinance. | 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. | Reviewer Comment (2025-03-26): Client elects to waive with verified compensation factors |  |  | 03/26/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831030 | xxxxxx | 33210300 | xxxxxx | 04/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx |  | 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. | Reviewer Comment (2025-04-17): Client elects to waive with verified compensation factors |  |  | 04/17/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831030 | xxxxxx | 33210734 | xxxxxx | 04/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The documents were signed outside of a xxxxxx embassy. If the xxxxxx or consular official is unavailable, a notary is acceptable if the country, where signing is taking place, is part of the xxxxxx and the signed documents are accompanied by an xxxxxx. Provide the Apostille. |  | Reviewer Comment (2025-04-16): Notary page provided. Stamped xxxxxx Embassy in xxxxxx. xxxxxx is not required. | 04/16/2025 |  |  | 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 | 831064 | xxxxxx | 33073479 | xxxxxx | 03/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-04-01): Received Certificate of Good Standing. Exception cleared. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831064 | xxxxxx | 33073480 | xxxxxx | 03/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing. Must include all participants. |  | Reviewer Comment (2025-04-01): Received Fraud and OFAC search run on the Seller, xxxxxx. Exception Cleared.<br>Reviewer Comment (2025-04-01): Received Fraud Report. However OFAC search not run on seller - xxxxxx. Exception remains. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831072 | xxxxxx | 33142157 | xxxxxx | 04/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-07): Received Approval. Exception cleared. | 04/07/2025 |  |  | 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 | 831072 | xxxxxx | 33142181 | xxxxxx | 04/03/2025 | 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 (2025-04-07): TPOL was provided. | 04/07/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831072 | xxxxxx | 33142326 | xxxxxx | 04/03/2025 | 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 (2025-03-31): Client elects to waive |  |  | 03/31/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831072 | xxxxxx | 33142329 | xxxxxx | 04/03/2025 | 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 (2025-03-28): Sufficient Cure Provided At Closing |  | 03/28/2025 |  | 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 | 831072 | xxxxxx | 33142331 | xxxxxx | 04/03/2025 | 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) | The file is missing evidence of initial Closing Disclosure. |  | Reviewer Comment (2025-04-07): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831072 | xxxxxx | 33147951 | xxxxxx | 04/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-04-07): Received Credit Report - Gap. Exception cleared. | 04/07/2025 |  |  | 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 | 831072 | xxxxxx | 33148085 | xxxxxx | 04/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy or supplemental report. xxxxxx on title, however remaining debt was paid through closing. Must ensure does not appear on Final Title. |  | Reviewer Comment (2025-04-07): TPOL was provided. | 04/07/2025 |  |  | 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 | 831074 | xxxxxx | 32956519 | xxxxxx | 03/06/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date xxxxxx . There is also a delivery in file dated xxxxxx . Provide the corresponding appraisal. |  | Reviewer Comment (2025-03-07): Prelim provided | 03/07/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831074 | xxxxxx | 32956716 | xxxxxx | 03/06/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-03-10): Received Credit Refresh Report dated xxxxxx . Exception cleared. | 03/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831074 | xxxxxx | 32962363 | xxxxxx | 03/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud search not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-03-10): Received Loan Participant Analysis fraud and OFAC ran on the settlement agent. Exception cleared. | 03/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831088 | xxxxxx | 33204076 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-04-18): Received Articles of Organization/Formation. Exception cleared. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33204077 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-04-30): Received Certificate of Good Standing. Exception cleared.<br>Reviewer Comment (2025-04-17): The date is prior to 1 year of closing. Provide Certificate of Good Standing with pull date within 1 year of closing. Exception remains. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33204078 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-04-17): Received Employer Identification Number. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33204079 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-04-17): Received Operating Agreement. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33204084 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (xxxxxx, etc.) not provided |  | Per overlays, STR can no longer be reported on form 1007 for appraisals completed after xxxxxx . |  | Reviewer Comment (2025-04-29): Appraisal provided with a report date prior to xxxxxx . Per guidelines, 1007 can still be utilized for STR.<br>Reviewer Comment (2025-04-17): Comments are not acceptable. If you have an appraisal with a completion date prior to xxxxxx then you will need to provide that to verify the 1007 can still be used for the STR prior to overlays taking effect. The investor's exception form with comments is not acceptable. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33204109 | xxxxxx | 04/10/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing |  | Reviewer Comment (2025-04-17): Updated flood cert provided | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33204111 | xxxxxx | 04/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investors are not allowed on C/O refinances. Borrower acquired subject property on xxxxxx per title and loan closed xxxxxx . Just shy of 1 year ownership. | 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 (2025-05-14): Client elects to waive with verified compensation factors |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33204117 | xxxxxx | 04/10/2025 | 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 (2025-04-17): Received CDA. Exception cleared. | 04/17/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33206862 | xxxxxx | 04/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Building coverage must equal the lesser of 100% of insurable value ($xxxxxx) or the total number of units times $xxxxxx. Coverage is less than required. |  | Reviewer Comment (2025-05-12): Per client confirmation on guidelines, 5+ Units Properties: If dwelling coverage for hazard insurance is greater than $500,000 then flood coverage must be $500,000 as this is the maximum allowed per FEMA applies. | 05/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33207841 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-04-17): Received Corporate Resolution. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831088 | xxxxxx | 33207924 | xxxxxx | 04/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The HO6 in effect at time of closing did not have the mortgagee + ISAOA information completed. There is a post close HO6 in file with the information, however post-close is not acceptable. | 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 (2025-05-14): Client elects to waive with verified compensation factors |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32935833 | xxxxxx | 03/04/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2025-03-11): HOI and invoice provided | 03/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32935835 | xxxxxx | 03/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject Property: Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent (e.g., delinquent 31 days is 1x30 late, delinquent 61 days is 1x60 late, etc). |  | Reviewer Comment (2025-04-11): Per payoff, number of extension 2 under life to date and then number of months extended 4 under life to date. Loan was extended on xxxxxx , based on the total months of extensions, the first extension expired on xxxxxx (2 months) which then again needed to be extended which was granted on xxxxxx , which puts this extension expiration at xxxxxx (2 months). Loan closed xxxxxx . Maturity feature expiration does not exceed 30 days from last ext.<br>Reviewer Comment (2025-04-11): Pay history cannot be consider. An Extension agreement is require to verify the extension of term. Exception remains. | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32935837 | xxxxxx | 03/04/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date xxxxxx . Provide the corresponding appraisal. Further, the addendum reflects a revisions were requested on xxxxxx Provide the corresponding appraisals. |  | Reviewer Comment (2025-03-24): xxxxxx appraisal provided and appraisal dated xxxxxx provided | 03/24/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32935860 | xxxxxx | 03/04/2025 | 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 (2025-03-11): FTP provided | 03/11/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32935870 | xxxxxx | 03/04/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 72.40000% exceeds Guideline loan to value percentage of 70.00000%. | Max 70% for DSCR < 1.00 |  | Reviewer Comment (2025-04-01): Two months rent receipt provided for rents. Higher rents can be utilized and are within 120% of estimated rents. DSCR 1.00. Max LTV 75%. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32941590 | xxxxxx | 03/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is a blanket mortgage on the title. |  | Reviewer Comment (2025-03-11): FTP provided | 03/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32941601 | xxxxxx | 03/04/2025 | 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 Borrowing LLC. |  | Reviewer Comment (2025-03-11): FTP provided | 03/11/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | 32941652 | xxxxxx | 03/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud search not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-11): Received HUD/LDP search. Exception cleared.<br>Reviewer Comment (2025-04-09): Received GSA search for Borrower "xxxxxx"; however, we require HUD/LDP search for Settlement agent xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-04): Received GSA search for Borrower "xxxxxx"; however, we require HUD/GSA/LDP search for Settlement agent xxxxxx. Exception remains.<br>Reviewer Comment (2025-03-12): Received OFAC for settlement agent. Provide updated Fraud Report or HUD/GSA/LDP search. Exception remains. | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831313 | xxxxxx | 33272775 | xxxxxx | 04/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE |  | Reviewer Comment (2025-04-28): Lender correspondence in file with coverage amount. Exception cleared. | 04/28/2025 |  |  | 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 | 831313 | xxxxxx | 33272785 | xxxxxx | 04/17/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  | Reviewer Comment (2025-04-28): Updated HOI provided | 04/28/2025 |  |  | 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 | 831313 | xxxxxx | 33272789 | xxxxxx | 04/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or UDM report is required no more than 30 days prior to loan closing. |  | Reviewer Comment (2025-04-21): Gap credit report provided. Exception cleared. | 04/21/2025 |  |  | 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 | 831313 | xxxxxx | 33277078 | xxxxxx | 04/17/2025 | 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 $405,238.04 is over disclosed by $105.50 compared to the calculated Amount Financed of $405,132.54 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) | Amount financed was shown as $405,238.04 but the calculated Amount financed is $405,132.54. Variance of $105.50. Lender did not include the $125.00 Appraisal Management fee. |  | Reviewer Comment (2025-04-28): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-04-21): 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. |  | 04/28/2025 |  | 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 | 831313 | xxxxxx | 33277079 | xxxxxx | 04/17/2025 | 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 $571,480.55 is under disclosed by $105.50 compared to the calculated Finance Charge of $571,586.05 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge was shown as $571,480.55 but the calculated Finance charge is $571,586.05. Variance of $105.50. Lender did not include the $125.00 Appraisal Management fee. |  | Reviewer Comment (2025-04-28): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-04-21): 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. |  | 04/28/2025 |  | 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 if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 831313 | xxxxxx | 33277080 | xxxxxx | 04/17/2025 | 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 Tax Service Fee (Life Of Loan). Fee Amount of $99.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. (73133) |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided At Closing |  | 04/15/2025 |  | 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 | 831313 | xxxxxx | 33277081 | xxxxxx | 04/17/2025 | 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 Funding Fee. Fee Amount of $625.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7396) |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided At Closing |  | 04/15/2025 |  | 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 | 831313 | xxxxxx | 33285229 | xxxxxx | 04/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide evidence of ownership % for each individual. Per the accountants completion of the business narrative, both borrower's appear to be owners. The ownership % breakdown is required as this could effect the qualifying credit score. |  | Reviewer Comment (2025-05-29): Per client email, accepting post close xxxxxx document as confirmation of xxxxxx split instead of B1 being 100% sole owner as since document reflects both borrower and coborrower only. FICO score remains the same as xxxxxx split utilizes the highest qualifying score. There are also pre-close third party docs in file as well.<br>Reviewer Comment (2025-05-08): Received document from xxxxxx is not acceptable to verify the ownership percentage of the business. Provide CPA Letter or Operating agreement. Exception remains. | 05/29/2025 |  |  | 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 | 831313 | xxxxxx | 33362535 | xxxxxx | 04/28/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | 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. |  | Reviewer Comment (2025-05-27): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-05-20): LOE provided and executed RTC's with docusign. New rescission period ends xxxxxx at midnight. Condition cannot be cured until this time. Please queue condition anytime on xxxxxx or after. |  | 05/27/2025 |  | 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 notice of rescission model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 831327 | xxxxxx | 33203377 | xxxxxx | 02/25/2025 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property. |  | Cash-out refi, lease agreement for subject property not provided. |  | Reviewer Comment (2025-03-20): Provided xxxxxx statement showing 12 months short term rental income. Property address verified. Exception cleared.<br>Reviewer Comment (2025-03-05): Comparable Rent Schedule has market rent based on long term. Provide 12-months proof of rent in the form of a 12-month ledger from xxxxxx. Available xxxxxx statement does not have subject property address. Exception remains. | 03/20/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831385 | xxxxxx | 33280210 | xxxxxx | 04/18/2025 | 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 (2025-05-07): Updated HOI provided | 05/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831385 | xxxxxx | 33290974 | xxxxxx | 04/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Title Policy: City does not match the Note. | 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 (2025-04-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-22): The documents provided are not acceptable. All addresses must match. Provide the updated FTP. If timed stamped and dated the same as the incorrect FTP, provide the email update from title as well. |  |  | 04/28/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831385 | xxxxxx | 33291019 | xxxxxx | 04/18/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City does not match Note - On both old and updated policies. | 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 (2025-04-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-22): The documents provided are not acceptable. All addresses must match. |  |  | 04/28/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831385 | xxxxxx | 33291022 | xxxxxx | 04/18/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | Departure residence using rental income: Provide the lease. |  | Reviewer Comment (2025-05-01): Leases provided with security deposit and 1 month rent along with 1025. This is a departure residence in which borrower previously occupied one of the units. Rental income only being used for xxxxxx unit only based off the Section 8 agreement.<br>Reviewer Comment (2025-04-29): Received Security Voucher from xxxxxx that can be considered as Section 8(HAP agreement). A formal lease agreement is required between tenant and the landlord for the unit xxxxxx. Received Lease agreement is for the xxxxxx unit, that is not utilized for the rental income Exception remains.<br>Reviewer Comment (2025-04-23): Received Security Voucher from xxxxxx that can be considered as Section 8(HAP agreement). A formal lease agreement is required between tenant and the landlord. Exception remains. | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831385 | xxxxxx | 33291046 | xxxxxx | 04/18/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | Sam.gov not provided for xxxxxx. |  | Reviewer Comment (2025-04-22): Sam.gov provided | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831385 | xxxxxx | 33320666 | xxxxxx | 04/22/2025 | 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 Second Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | 04/22/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831385 | xxxxxx | 33320667 | xxxxxx | 04/22/2025 | 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 Second Appraisal Management Company Fee paid to AMC. Fee Amount of $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | 04/22/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831388 | xxxxxx | 33279453 | xxxxxx | 04/17/2025 | 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 (2025-04-18): CU score of 1.1 provided | 04/18/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 831431 | xxxxxx | 33191857 | xxxxxx | 04/09/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 688 is less than Guideline representative FICO score of 720. | Investor exception in file. xxxxxx closed end seconds require a 720 FICO. | 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 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. | Reviewer Comment (2025-04-07): Client elects to waive with verified compensation factors |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831431 | xxxxxx | 33191919 | xxxxxx | 04/09/2025 | 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 | Investor exception in file. Property is listed for sale in past 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>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. | Reviewer Comment (2025-04-07): Client elects to waive with verified compensation factors |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831474 | xxxxxx | 33441064 | xxxxxx | 04/08/2025 | 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 0.73 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 0.75. | Lender exception for foreign national with DSCR < 0.75 is approved. | 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 (2025-04-08): Client elects to waive with compensating factors. |  |  | 04/08/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831495 | xxxxxx | 33203876 | xxxxxx | 04/10/2025 | 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 $945.50 exceeds tolerance of $750.00 plus 10% or $825.00. Insufficient or no cure was provided to the borrower. xxxxxx | 10% fee violation due to an increase due to the $75.00 Appraisal Management fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $75.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-05-05): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-04-29): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD but the cure provided is not sufficient to cover 10% tolerance as cure provided is $165 but the total cure including 0% and 10% is $210.50. Required 10% tolerance cure is $120.50. Remaining cure of $45.50 is required.<br>Reviewer Comment (2025-04-17): SitusAMC received LOE, however we require valid COC with sufficient information on why the recording fee increased. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 05/05/2025 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 831495 | xxxxxx | 33210334 | xxxxxx | 04/10/2025 | 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 Second Appraisal Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | Additional information is required as COC only states CDA required. |  | Reviewer Comment (2025-04-29): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-17): SitusAMC received LOE, however it doesn't provide sufficient information on why the CDA was required. Please provide additional sufficient information or cure would be required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check |  | 04/29/2025 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 831544 | xxxxxx | 33040382 | xxxxxx | 03/18/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date of xxxxxx . Provide the corresponding appraisal. |  | Reviewer Comment (2025-04-03): Prelim report provided | 04/03/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A | N/A | N/A | No | Property Focused |
| xxxxxx | 831544 | xxxxxx | 33040503 | xxxxxx | 03/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-04-03): BP cert provided | 04/03/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A | N/A | N/A | No | Property Focused |
| xxxxxx | 831544 | xxxxxx | 33041390 | xxxxxx | 03/18/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Provide corrected appraisal to reflect correct address as per note. xxxxxx Vs xxxxxx. |  | Reviewer Comment (2025-04-04): An updated appraisal was provided. | 04/04/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A | N/A | N/A | No | Property Focused |
| xxxxxx | 831544 | xxxxxx | 33041401 | xxxxxx | 03/18/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Provide corrected CDA to reflect correct address as per note. xxxxxx Vs xxxxxx. |  | Reviewer Comment (2025-04-11): Lender obtained new CDA with correct address<br>Reviewer Comment (2025-04-08): The same CDA was provided again that was in file at time of review. Please review the original condition. Per the Note, the address is xxxxxx. The CDA reflects xxxxxx.<br>Reviewer Comment (2025-04-04): The CDA file is corrupt please provide a better copy. | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A | N/A | N/A | No | Property Focused |
| xxxxxx | 831544 | xxxxxx | 33045325 | xxxxxx | 03/18/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 83.26957% exceeds Guideline loan to value percentage of 80.00000%. |  | 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 is above 680. | Reviewer Comment (2025-03-21): Client elects to waive with verified compensation factors |  |  | 03/21/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A | N/A | N/A | No | Property Focused |
| xxxxxx | 831544 | xxxxxx | 33055668 | xxxxxx | 03/18/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note xxxxxx vs xxxxxx |  | Reviewer Comment (2025-04-03): Updated flood cert provided | 04/03/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A | N/A | N/A | No | Property Focused |
| xxxxxx | 831583 | xxxxxx | 33074550 | xxxxxx | 03/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx , Borrower: xxxxxx |  |  | Reviewer Comment (2025-04-10): Received ACH document. Exception cleared. | 04/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831583 | xxxxxx | 33074576 | xxxxxx | 03/24/2025 | 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 (2025-04-03): FTP provided | 04/03/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831583 | xxxxxx | 33074585 | xxxxxx | 03/24/2025 | 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 (2025-04-03): FTP provided | 04/03/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831583 | xxxxxx | 33074641 | xxxxxx | 03/24/2025 | 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 (2025-04-09): Received the final signed stamped settlement statement to support. Exception cleared.<br>Reviewer Comment (2025-04-07): The closing statement provided is not stamped certified by title agent<br>Reviewer Comment (2025-04-03): PC-CD is a lender generated document and not acceptable. If the disbursement date is different than on the PC-CD, provide the final signed stamped settlement statement to support. | 04/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831583 | xxxxxx | 33096986 | xxxxxx | 03/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PPP term on the PPP addendum to the Note and PPP Rider to the DOT of 2 months does not meet the investor guideline requirements. |  | Reviewer Comment (2025-04-08): Received updated LOE and tracking reflects in transit.<br>Reviewer Comment (2025-04-07): Received LOE to borrower for PPP Rider to the DOT, corrected and executed PPP rider to the DOT and mailing label. LOE does not reference PPP addendum to the Note, Mailing label only reflects label created. Must reflect at minimum in transit. Investor stated they are not requiring corrections to the DOT, therefore LOI is not required.<br>Reviewer Comment (2025-04-03): Received corrected and executed PPP addendum to the Note and mailing label to investor. Pending receipt of the corrected and executed PPP rider to the DOT, LOE to borrower, evidence of delivery to the borrower and Lender's letter of intent to re-record. | 04/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831583 | xxxxxx | 33096995 | xxxxxx | 03/24/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date post-close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-04-03): Preclose appraisal provided | 04/03/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831592 | xxxxxx | 33331539 | xxxxxx | 03/17/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification, Insurance Verification, Tax Verification | Unable to verify expenses related to REO property due to missing documentation: insurance, HOA and tax verification for xxxxxx. |  | Reviewer Comment (2025-03-24): Final CD provided | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831592 | xxxxxx | 33331541 | xxxxxx | 03/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing REO insurance, Tax and HOA verification for xxxxxx. |  | Reviewer Comment (2025-03-24): Final CD provided | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831592 | xxxxxx | 33331542 | xxxxxx | 03/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provided 1008/approval reflects DTI at 35.161%. Total all monthly payments is $9,150.14. 1 more REO property has been listed in 1003 but no supporting document provided to included expenses in DTI. |  | Reviewer Comment (2025-04-17): Updated 1008 provided<br>Reviewer Comment (2025-04-11): The same 1008 provided with no confirmation of the 1 REO listed on the 1003. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831592 | xxxxxx | 33331544 | xxxxxx | 03/17/2025 | 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. | xxxxxx exception due to missing REO insurance, tax and HOA verification documents for Property @ xxxxxx. |  | Reviewer Comment (2025-04-08): Form 1007 provided<br>Reviewer Comment (2025-03-26): Per final 1008, total payments is $9150.14 and calculated payments is totaling $13,039.69, which is a difference of $3889.55. The non-subject REO, per 1008, totals $4700 and calculated total is $8254.55. | 04/08/2025 |  |  | 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 | 831592 | xxxxxx | 33331547 | xxxxxx | 03/17/2025 | 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.) | xxxxxx exception due to missing REO insurance, tax and HOA verification documents for Property @ xxxxxx. |  | Reviewer Comment (2025-03-24): CD provided | 03/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831592 | xxxxxx | 33331548 | xxxxxx | 03/17/2025 | 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. | xxxxxx exception due to missing REO insurance, tax and HOA verification documents for Property @ xxxxxx. |  | Reviewer Comment (2025-04-08): Form 1007 provided<br>Reviewer Comment (2025-03-26): Per final 1008, total payments is $9150.14 and calculated payments is totaling $13,039.69, which is a difference of $3889.55. The non-subject REO, per 1008, totals $4700 and calculated total is $8254.55. | 04/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831592 | xxxxxx | 33331549 | xxxxxx | 03/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.10696% exceeds Guideline total debt ratio of 50.00000%. | Per final 1008, total payments is $9150.14 and calculated payments is totaling $13,039.69, which is a difference of $3889.55. The non-subject REO, per 1008, totals $4700 and calculated total is $8254.55. |  | Reviewer Comment (2025-04-08): Form 1007 provided<br>Reviewer Comment (2025-04-02): How is the rental income calculated? Is it by lease or Sch. E? there is nothing in the file that confirms the rental income. | 04/08/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831592 | xxxxxx | 33331550 | xxxxxx | 03/24/2025 | 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 50.10696% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per final 1008, total payments is $9150.14 and calculated payments is totaling $13,039.69, which is a difference of $3889.55. The non-subject REO, per 1008, totals $4700 and calculated total is $8254.55. |  | Reviewer Comment (2025-04-08): Form 1007 provided<br>Reviewer Comment (2025-04-02): How is the rental income calculated? Is it by lease or Sch. E? there is nothing in the file that confirms the rental income. | 04/08/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831592 | xxxxxx | 33331551 | xxxxxx | 03/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing the 1-2024 business bank statement for account xxxxxx to confirm the 12-month income requirement. |  | Reviewer Comment (2025-04-02): Business account provided | 04/02/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | 33438884 | xxxxxx | 05/15/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-16): E-consent provided | 05/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | 33438886 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-16): Approval provided | 05/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | 33438887 | xxxxxx | 05/15/2025 | 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 (2025-05-19): Received gap credit report. Exception cleared. | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | 33438889 | xxxxxx | 05/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, Settlement Agent , xxxxxx, and signor for seller, xxxxxx, were not included in the report |  | Reviewer Comment (2025-05-21): Received HUD/GSA/OFAC search. Exception cleared.<br>Reviewer Comment (2025-05-19): Received Fraud and OFAC search run on xxxxxx. Provide Fraud and OFAC search run on signor for seller, xxxxxx. Exception remains. | 05/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | 33438896 | xxxxxx | 05/15/2025 | 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 (2025-05-13): Client elects to waive |  |  | 05/13/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | 33438899 | xxxxxx | 05/15/2025 | 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 (2025-05-19): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 05/19/2025 |  |  | 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 | 831611 | xxxxxx | 33438900 | xxxxxx | 05/15/2025 | 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 Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. No valid COC or cure was provided. |  | Reviewer Comment (2025-05-23): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-20): SitusAMC received Post CD and LOX. However,we would also require Copy of refund check and proof of mailing in order to cure the exception.<br>Reviewer Comment (2025-05-19): SitusAMC received Changed Circumstance dated xxxxxx but it does not give sufficient information on why the Appraisal Desk review 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. |  | 05/23/2025 |  | 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 | 831611 | xxxxxx | 33449560 | xxxxxx | 05/15/2025 | 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: ISAOA is missing |  | Reviewer Comment (2025-05-19): Updated HO6 provided | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831670 | xxxxxx | 33117088 | xxxxxx | 03/31/2025 | 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 $-506.40 exceeds tolerance of $-1,501.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-506.40 exceeds tolerance of $-1,741.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-03): SitusAMC received a valid COC.<br>Reviewer Comment (2025-04-02): SItusAMC received COC and LOE for change in pricing due to rate lock but the lender credit was decreased on CD dated xxxxxx to $506.40. COC dated xxxxxx in file does not provide sufficient information why credit was decreased. 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. | 04/03/2025 |  |  | 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 B A | C | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 831670 | xxxxxx | 33117089 | xxxxxx | 03/31/2025 | 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 $765.00 exceeds tolerance of $750.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $750.00 on the initial Loan Estimate to $765.00 on the Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-21): SItusAMC received Letter of Explanation, Payment history and Corrected CD.<br>Reviewer Comment (2025-04-08): SitusAMC received rebuttal stating principal reduction of $15 to be provided. However, we would require corrected Post CD to reflect principal reduction along with Pay history and LOX.<br>Reviewer Comment (2025-04-03): SitusAMC received COC and CDs. However, we would also require Copy of refund check, LOX for the refund allocated $15 in order to cure the exception.<br>Reviewer Comment (2025-04-02): SitudAMC upon further review the cure was provided on PCCD dated xxxxxx but missing copy of refund check and LOE to borrower. Please provide the same to cure this exception. |  | 04/21/2025 |  | 2 C B | C B | 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 B A | C | B A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 831670 | xxxxxx | 33117093 | xxxxxx | 03/31/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per the Appraisal Delivery document in file, an appraisal was delivered on xxxxxx . The appraisal dated in file is xxxxxx Provide the corresponding appraisal for this delivery. |  | Reviewer Comment (2025-04-02): Prelim appraisal provided | 04/02/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 831670 | xxxxxx | 33142229 | xxxxxx | 03/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Business Purpose Certificate as it is missing in the file. |  | Reviewer Comment (2025-04-10): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-04-02): All loans approved with xxxxxx guidelines requires Business Purpose Certificate for Investment Property. Please provide Business Purpose Certificate. Exception remains. | 04/10/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | C | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 831707 | xxxxxx | 33203378 | xxxxxx | 03/20/2025 | 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 |  | Borrower has owned the subject property for at least 5 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 representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-05-01): Per CSM for xxxxxx, condition should be cleared based on LOE provided by lender vs. waived.<br>Reviewer Comment (2025-03-25): Client elects to waive with compensating factors. | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831707 | xxxxxx | 33203380 | xxxxxx | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for condo w/99% investor concentration. | Borrower has owned the subject property for at least 5 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 representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-03-25): Client elects to waive with compensating factors. |  |  | 03/25/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831723 | xxxxxx | 33441061 | xxxxxx | 04/01/2025 | 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 0.54 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 0.75. | DSCR mismatch due to comparable rent schedule showing $7,000 per month. Lease agreement not provided. |  | Reviewer Comment (2025-04-03): Lease agreement is received. Exception is cleared. | 04/03/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831796 | xxxxxx | 33082909 | xxxxxx | 03/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-03-27): Received updated Fraud Report. Fraud and OFAC run on the settlement agent. Exception cleared. | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831816 | xxxxxx | 33345848 | xxxxxx | 04/29/2025 | 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 (2025-04-30): SitusAMC received e-consent. | 04/30/2025 |  |  | 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 | 831816 | xxxxxx | 33346358 | xxxxxx | 04/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-04-29): Received updated Fraud Report. Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 04/29/2025 |  |  | 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 | 831816 | xxxxxx | 33360855 | xxxxxx | 04/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor Exception - Cash-out seasoning is < 6 months. Previous C/O transaction xxxxxx . | 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 (2025-04-29): Client elects to waive with verified compensation factors |  |  | 04/29/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831816 | xxxxxx | 33360964 | xxxxxx | 04/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert - Refiance Only not checked. |  | Reviewer Comment (2025-04-29): Received updated Occupancy Certificate with the box checked on Refinance Only. Exception Cleared. | 04/29/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 831818 | xxxxxx | 33147144 | xxxxxx | 04/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-04-22): Received Business Purpose Certificate. Exception Cleared. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831818 | xxxxxx | 33147145 | xxxxxx | 04/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  | Reviewer Comment (2025-04-22): Received Business Purpose Certificate. Exception Cleared.<br>Reviewer Comment (2025-04-22): No new document was received. Provide the document as requested on the original comment. Exception remains. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831818 | xxxxxx | 33148219 | xxxxxx | 04/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Page 1 of the final Closing Disclosure indicates there is a prepayment penalty. |  | Reviewer Comment (2025-04-22): Received Prepayment Addendum to Note. Exception cleared. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 831818 | xxxxxx | 33148784 | xxxxxx | 04/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  | Reviewer Comment (2025-04-22): Received Occupancy Certificate. Exception Cleared.<br>Reviewer Comment (2025-04-22): No new document was received. Provide the document as requested on the original comment. Exception remains. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831828 | xxxxxx | 33111215 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-03-31): Approval provided | 03/31/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831828 | xxxxxx | 33113157 | xxxxxx | 03/28/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | REO section on 1003 for subject property and primary were not completed/added. |  | Reviewer Comment (2025-04-09): Updated 1003 provided<br>Reviewer Comment (2025-04-07): Received same 1003, that does not list mortgage lien information on REO section for primary property. Exception remains.<br>Reviewer Comment (2025-04-03): The REO section for the primary nor subject reflect the mortgage lien information | 04/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831828 | xxxxxx | 33113270 | xxxxxx | 03/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease agreement is not executed by tenant or landlord. |  | Reviewer Comment (2025-04-04): Received executed copy of Lease Agreement. Exception Cleared. | 04/04/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831828 | xxxxxx | 33125126 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Refinance only is not checked. |  | Reviewer Comment (2025-04-03): Updated NOO provided | 04/03/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831892 | xxxxxx | 32987795 | xxxxxx | 03/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Trade to Settlement Agent not provided. |  | Reviewer Comment (2025-03-12): Wire ticket provided | 03/12/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831892 | xxxxxx | 32987814 | xxxxxx | 03/11/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date of xxxxxx. Provide the corresponding appraisal. |  | Reviewer Comment (2025-03-12): Prelim provided | 03/12/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831892 | xxxxxx | 33005555 | xxxxxx | 03/11/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | > 120 days old |  | Reviewer Comment (2025-03-12): Soft pull provided dated xxxxxx . Per guidelines, Soft pull reports are acceptable every 90 days after original hard pull expiration – New hard pull required once original pull date exceeds 365 days. | 03/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831892 | xxxxxx | 33005561 | xxxxxx | 03/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Recert of Value provided reflects Yes to the value has declined since effective date of appraisal but then makes comments that it has not declined. |  | Reviewer Comment (2025-03-13): Corrected recert of value provided | 03/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831892 | xxxxxx | 33005629 | xxxxxx | 03/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | VISA provided does not have an acceptable status of E-2, H-1B, L, O and P. Provide the unexpired EAD for 2 years. | 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. | Reviewer Comment (2025-04-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-03-28): Received same VISA that was already provided in file. Please provide the document requested on the original condition. Exception remains. |  |  | 04/11/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831898 | xxxxxx | 32995050 | xxxxxx | 03/11/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxxxx will produce an OFAC SDN name screening for all transaction participants (Borrowers/Guarantors, Property Sellers, Brokers, Loan Officers, Appraisers, Real Estate Agents, Settlement Agents). OFAC provided for borrower, loan officer, appraiser and settlement agent. |  | Reviewer Comment (2025-03-14): Received OFAC search for borrower. Exception cleared.<br>Reviewer Comment (2025-03-13): Received OFAC searches for Borrower, Loan Officer, Appraiser and Settlement Agent. OFAC run on borrower is run on incorrect last name. Provide OFAC for xxxxxx. Exception remains. | 03/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831898 | xxxxxx | 32995285 | xxxxxx | 03/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Wire Ticket to Settlement Agent |  | Reviewer Comment (2025-03-12): Wire ticket provided | 03/12/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831898 | xxxxxx | 32995356 | xxxxxx | 03/11/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxxxx vs xxxxxx |  | Reviewer Comment (2025-03-12): Updated flood cert provided | 03/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831898 | xxxxxx | 33005450 | xxxxxx | 03/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the background and credit card authorization for xxxxxx. |  | Reviewer Comment (2025-03-12): Authorization provided | 03/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831898 | xxxxxx | 33272370 | xxxxxx | 04/14/2025 | 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 $3,918.58 does not match Calculated P&I of $3,879.16 | New Note provided post-review does not have the correct P&I. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-28): The Note is a legally binding document for payment and terms and a corrective affidavit cannot be utilized. The corrected and executed Note along with an LOE to borrower and evidence of delivery to the borrower is required.<br>Reviewer Comment (2025-04-24): A corrective affidavit is not acceptable for a Note & P&I payment. |  |  | 04/28/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831898 | xxxxxx | 33272390 | xxxxxx | 04/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | New Note and DOT provided post-review. Provide the updated business purpose cert, occupancy cert, and guarantor cert with the correct loan amount. Also, provide the LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-24): Received corrected GA, BP Cert and NOO Cert. Pending receipt of LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  |  | 04/28/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831919 | xxxxxx | 33139145 | xxxxxx | 04/02/2025 | 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. | Per guidelines, the VVOE must be dated within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. VVOE is dated post-close and paystub is > 30 days prior to the Note date. |  | Reviewer Comment (2025-04-04): A VVOE dated the day of closing was provided. | 04/04/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831919 | xxxxxx | 33139146 | xxxxxx | 04/02/2025 | 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, the VVOE must be dated within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. VVOE is dated post-close and paystub is > 30 days prior to the Note date. |  | Reviewer Comment (2025-04-04): A VVOE dated the day of closing was provided. | 04/04/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831919 | xxxxxx | 33139147 | xxxxxx | 04/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | As per the guidelines, a verbal VOE should be dated no more than 10 calendar days prior to Note date xxxxxx . The provided Work Number - VOE in file is dated xxxxxx which is after the Note date . |  | Reviewer Comment (2025-04-16): VVOE provided | 04/16/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831919 | xxxxxx | 33139159 | xxxxxx | 04/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Provide Tax Certificate for the subject property as it is missing in the file. |  | Reviewer Comment (2025-04-04): Received Tax Certificate for the subject property. Exception cleared. | 04/04/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831919 | xxxxxx | 33139163 | xxxxxx | 04/02/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-03-31): Client elects to waive |  |  | 03/31/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831919 | xxxxxx | 33139167 | xxxxxx | 04/02/2025 | 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 (2025-04-16): FTP provided | 04/16/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831919 | xxxxxx | 33140577 | xxxxxx | 04/02/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Provide the clear title policy. Multiples child support liens and notice of special tax lien reflected on title. |  | Reviewer Comment (2025-04-16): FTP provided<br>Reviewer Comment (2025-04-10): The document provided is not acceptable as it does not reflect who it was from. It just says Title Supplement at the top and removal of liens with no other information. Appears this was separately created. Provide the title supplement from the title company with all information removing the judgment and child support lien or the clear and final title policy.<br>Reviewer Comment (2025-04-08): Information on notice of special tax lien provided in regards to improvement in areas, however this does not address the child support liens. Provide the clear and final title or provide the supplement from title that states will not appear on final title.<br>Reviewer Comment (2025-04-04): A Title Supplement stating these liens will be removed or the Final Title Policy is required. | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831919 | xxxxxx | 33146020 | xxxxxx | 04/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Rental income utilized to qualify on REO property. Per guidelines, when rental income is used to qualify, the tax returns must be signed and dated by the borrower. |  | Reviewer Comment (2025-04-09): Received signed tax returns. Exception cleared.<br>Reviewer Comment (2025-04-03): Received the same tax return which was already in file. Per guidelines, when rental income is used to qualify, the tax returns must be signed and dated by the borrower. Exception remains. | 04/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33065635 | xxxxxx | 03/21/2025 | 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 (2025-04-15): FTP provided | 04/15/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33065636 | xxxxxx | 03/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-03-26): Received Credit Report dated xxxxxx . Exception cleared. | 03/26/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33065909 | xxxxxx | 03/21/2025 | 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. | Discrepancy in income: Audit income $3,453.09 vs lender qualified income $7,009.61. The lender did not utilize a 50% expense ratio for co-mingled account. There are no business bank statements in file for xxxxxx with transfers to the personal account for 100% usability. |  | Reviewer Comment (2025-04-04): The client elected to waive the DTI with comp factors so the loan is no longer ATR Risk.<br>Reviewer Comment (2025-04-01): The CPA letter with expense factor is dated post-close and not acceptable. | 04/04/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33065912 | xxxxxx | 03/21/2025 | 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 51.98436% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Discrepancy in income: Audit income $3,453.09 vs lender qualified income $7,009.61. The lender did not utilize a 50% expense ratio for co-mingled account. There are no business bank statements in file for xxxxxx with transfers to the personal account for 100% usability. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-04): The client elects to waive.<br>Reviewer Comment (2025-04-01): The CPA letter with expense factor is dated post-close and not acceptable. |  |  | 04/04/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33065913 | xxxxxx | 03/21/2025 | 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 Loan Discount Points. Fee Amount of $25,808.00 exceeds tolerance of $25,676.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) | Lender cure with a total of $312.00 reflecting on Final CD. |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33065914 | xxxxxx | 03/21/2025 | 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 Second Appraisal Fee. Fee Amount of $180.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) | Lender cure with a total of $312.00 reflecting on Final CD. |  | Reviewer Comment (2025-03-17): Sufficient Cure Provided At Closing |  | 03/17/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33065924 | xxxxxx | 03/21/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.98436% exceeds Guideline total debt ratio of 50.00000%. | Discrepancy in income: Audit income $3,453.09 vs lender qualified income $7,009.61. The lender did not utilize a 50% expense ratio for co-mingled account. There are no business bank statements in file for xxxxxx with transfers to the personal account for 100% usability. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-04): The client elects to waive.<br>Reviewer Comment (2025-04-01): The CPA letter with expense factor is dated post-close and not acceptable. |  |  | 04/04/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33066031 | xxxxxx | 03/21/2025 | 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. | Discrepancy in income: Audit income $3,453.09 vs lender qualified income $7,009.61. The lender did not utilize a 50% expense ratio for co-mingled account. There are no business bank statements in file for xxxxxx with transfers to the personal account for 100% usability. |  | Reviewer Comment (2025-04-04): The client elected to waive the DTI with comp factors so the loan is no longer ATR Risk.<br>Reviewer Comment (2025-04-01): The CPA letter with expense factor is dated post-close and not acceptable. | 04/04/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33095819 | xxxxxx | 03/21/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide the CPA license number. Expense ratio provided. |  | Reviewer Comment (2025-03-26): Received CPA license number. Exception cleared. | 03/26/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33095892 | xxxxxx | 03/21/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | There is a delivery in file for the appraisal dated xxxxxx . The appraisal in file has a completion date of xxxxxx . The addendum to the appraisal also reflects lender requested updates. Provide the prelim appraisal prior to updates. |  | Reviewer Comment (2025-03-26): Received corresponding appraisal. Exception cleared. | 03/26/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | 33095958 | xxxxxx | 03/21/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | The RTC was not provided for the two additional parties on the title and DOT. |  | Reviewer Comment (2025-05-13): SitusAMC received Letter of Explanation, Proof of Delivery, and copy of RTC provided to non-borrowing owners.<br>Reviewer Comment (2025-04-04): The loan closed on xxxxxx and the additional parties were not removed until xxxxxx. A Notice of Right to Cancel should have been signed by all listed on the title at the time of closing. The exception remains. |  | 05/13/2025 |  | 2 C B | C 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 B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831949 | xxxxxx | 33203747 | xxxxxx | 04/10/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 for borrower xxxxxx is missing. |  | Reviewer Comment (2025-04-09): Client elects to waive |  |  | 04/09/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 831949 | xxxxxx | 33203776 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete. C. indicates borrower is borrowing money for this transaction, yet the amount of money is blank. |  | Final 1003 for borrower xxxxxx Section 5, Declaration section, page 7, is blank. |  | Reviewer Comment (2025-05-12): Received updated completed dec page and docusign by borrower.<br>Reviewer Comment (2025-05-02): Signed corrected page of the 1003 provided, however is e-signed. Provide the docusign to support the borrower signed the document.<br>Reviewer Comment (2025-04-30): The updated 1003 was provided, however needs to be signed and dated by this borrower as the entire page was left blank. It is not known how the lender answered these questions without the borrower. The signed and dated 1003 is required with borrower confirming answers.<br>Reviewer Comment (2025-04-29): Received LOX for borrowed money only, however provide Final 1003 for borrower xxxxxx with complete Section 5 declaration. Exception remains. | 05/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 831949 | xxxxxx | 33217832 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Entity documents are missing for xxxxxx: Operating Agreement and EIN. |  | Reviewer Comment (2025-04-30): Trust agreement provided<br>Reviewer Comment (2025-04-18): Received EIN and Operating Agreement for xxxxxx. Received Operating agreement for xxxxxx reflects 50% owner is xxxxxx. Provide Trust agreement for xxxxxx. Exception remains. | 04/30/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 831949 | xxxxxx | 33218085 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the Blanket HOI. The policy in file is the Cert of Liability and does not contain building coverage. |  | Reviewer Comment (2025-04-22): Received evidence of property insurance. Exception cleared.<br>Reviewer Comment (2025-04-21): Received Certificate of Liability Insurance, however, the document requested is for Certificate of Property Insurance, that covers the building coverage. Exception remains. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 831956 | xxxxxx | 33134780 | xxxxxx | 04/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not dated. |  | Reviewer Comment (2025-04-10): Received Certificate of Good Standing. Exception cleared. | 04/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831956 | xxxxxx | 33141348 | xxxxxx | 04/01/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | PPP addendum to the note do not reflect the borrowing business entity listed. | 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 (2025-03-28): Client elects to waive |  |  | 03/28/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831956 | xxxxxx | 33141377 | xxxxxx | 04/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The PPP Rider to the DOT does not reflect the borrowing entity. Provide the corrected and executed rider, LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. | 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 (2025-04-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-24): The same document was provided that was previously rejected. Regardless of who worked with the borrower, an LOE to borrower and evidence of delivery to the borrower is required. The email chain provided does not reflect any communication with the borrower. If these documents cannot be provided, you will need to ask the investor to waive with verified compensation factors.<br>Reviewer Comment (2025-04-20): A recorded copy of the DOT + Rider does not clear this condition. When documents are corrected post close, an LOE to the borrower and evidence of delivery of the LOE and corrected documents to the borrower is required.<br>Reviewer Comment (2025-04-17): Received corrected and executed rider and LOI. Pending receipt of LOE to the borrower and evidence of delivery of the LOE and corrected documents to the borrower. |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 831964 | xxxxxx | 33144020 | xxxxxx | 04/03/2025 | 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 VVOE in file is dated post-close. |  | Reviewer Comment (2025-04-09): Preclose VVOE provided as well as VVOE dated within 10 days of closing.<br>Reviewer Comment (2025-04-04): All income documentation must be obtained prior to closing the funding date does not matter for ATR regulations. | 04/09/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 831964 | xxxxxx | 33144021 | xxxxxx | 04/03/2025 | 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 VVOE in file is dated post-close. |  | Reviewer Comment (2025-04-09): Preclose VVOE provided as well as VVOE dated within 10 days of closing.<br>Reviewer Comment (2025-04-04): All income documentation must be obtained prior to closing the funding date does not matter for ATR regulations. | 04/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831964 | xxxxxx | 33144023 | xxxxxx | 04/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The VVOE in file is dated post-close. |  | Reviewer Comment (2025-04-09): Preclose VVOE provided as well as VVOE dated within 10 days of closing. | 04/09/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831964 | xxxxxx | 33144033 | xxxxxx | 04/03/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | As per appraisal delivery status in file, an appraisal was sent on xxxxxx and xxxxxx . Provide the corresponding appraisals as it is missing in the file. |  | Reviewer Comment (2025-04-07): Prelim report and AMC LOE provided regarding xxxxxx appraisal delivered twice. | 04/07/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831964 | xxxxxx | 33148225 | xxxxxx | 04/03/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Only 11 months of mortgage statement were provided in the file for the housing history when 12 months history is required. Provide Mortgage statement for the missing period xxxxxx 24. | 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 (2025-04-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-10): Received transaction summary for xxxxxx . Provide Mortgage Statement with payment due date as xxxxxx . Exception remains<br>Reviewer Comment (2025-04-09): Received same 11 months mortgage statement that is missing Mortgage payment of xxxxxx 24, statement dated xxxxxx and with the payment due xxxxxx 24. Exception remains.<br>Reviewer Comment (2025-04-08): Received Mortgage statement is for xxxxxx payment due, however Mortgage statement is required for xxxxxx payment due. Exception remains.<br>Reviewer Comment (2025-04-04): Looking for the xxxxxx mortgage statement, not the bank statement. |  |  | 04/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 831967 | xxxxxx | 33209486 | xxxxxx | 04/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Provide the Trust Agreement for account xxxxxx. |  | Reviewer Comment (2025-04-15): Received Trust Agreement. Exception cleared. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832159 | xxxxxx | 33338938 | xxxxxx | 04/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Cert does not reflect the Unit number. |  | Reviewer Comment (2025-05-09): Updated flood cert provided | 05/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832159 | xxxxxx | 33338939 | xxxxxx | 04/28/2025 | 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 (2025-04-30): Later dated title provided reflecting updated amount | 04/30/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832159 | xxxxxx | 33359451 | xxxxxx | 04/28/2025 | 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 both borrowers on the loan. Currently title is only vested in 1 borrower. | Borrower has owned the subject property for at least 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-16): The Marital Status is not acceptable. Both borrowers are on the loan and only 1 is vested on title, therefore the deed is required transferring the property to both borrowers at or prior to closing.<br>Reviewer Comment (2025-05-02): The LOE is not acceptable. Both borrowers are on the loan and only 1 is vested on title, therefore the deed is required transferring the property to both borrowers. |  |  | 05/19/2025 | 2 D B | D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832159 | xxxxxx | 33359515 | xxxxxx | 04/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6: Reflects Unit xxxxxx |  | Reviewer Comment (2025-05-15): Received corrected HO6 Policy. Exception cleared. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832159 | xxxxxx | 33359523 | xxxxxx | 04/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Per HOA cert, HOA is in litigation due to homeowner is suing HOA for reimbursement of xxxxxx. Investor exception will be required. | Borrower has owned the subject property for at least 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-02): Client elects to waive with verified compensation factors. <br> Per the Client, the HOA cert verifies that a homeowner is suing the HOA for reimbursement of xxxxxx. Nothing considered structural. Affirmation from the xxxxxx that the lawsuit falls under coverage of D&O and liability insurance policies; therefore, no financial or legal impact to other owners.<br>Reviewer Comment (2025-04-30): It is irrelevant what the litigation is for. This is an RA requirement and requires an investor exception. |  |  | 05/02/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832159 | xxxxxx | 33359527 | xxxxxx | 04/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx Other<br> Other | Provide evidence properties are free and clear via a property profile report. |  | Reviewer Comment (2025-05-01): Received Property History Report to verify property is free and clear. Exception cleared. | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281468 | xxxxxx | 04/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Provide evidence of ownership and ownership % in the business used for qualifying along with evidence business has been open and active for 2 years. 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: CPA Letter, or Business License, or Other reasonable evidence of business activity. Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. A VVOE is not acceptable. |  | Reviewer Comment (2025-04-29): Business documents verifying ownership % and business open for 2 years provided. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281519 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  |  |  | Reviewer Comment (2025-05-21): Per investor email, they are accepting the child support amount listed on the credit report in lieu of a child support order.<br>Reviewer Comment (2025-05-19): The same documents are being uploaded over and over again. Please see email to investor. Assigned to investor: To update, the order does say the individuals were never married. So, then if the borrower is paying child support, there should be a support order which verifies the amount, which is also required per xxxxxx guidelines. If xxxxxx is accepting the credit report and parenting order and not requiring any additional documentation, please confirm and we can clear the condition.<br>Reviewer Comment (2025-05-16): Received document is Order Granting Custody, where it mentions the responsibility of both borrower and non-borrower towards their child. Provide a separate court order is required to determine if child support obligation is terminate or modified. Exception remains.<br>Reviewer Comment (2025-05-12): Please provide all pages of the divorce decree, as provided document is only reflecting 22 clauses and clause 23 onwards are missing. Exception Remains.<br>Reviewer Comment (2025-04-29): The section states, obligations that do not appear on the credit report, such as alimony and child support, must be documented through other methods according to xxxxxx guidelines. The obligation on the report is not known if it is a monthly debt or just arrearages. Further, it does not verify if the borrower has any other obligations such as alimony or any other obligations. The divorce decree is required. | 05/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281520 | xxxxxx | 04/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Provide the Perm Resident card. |  | Reviewer Comment (2025-04-22): Received Permanent Resident card. Exception cleared. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281583 | xxxxxx | 04/18/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Mortgage Statement for property located at xxxxxx. If taxes & insurance are not escrowed, then provide separate tax & insurance and any HOA. |  | Reviewer Comment (2025-04-29): Statement provided reflecting escrowed. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281626 | xxxxxx | 04/18/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Rate Spread Threshold Test Non-Compliant | xxxxxx Rate Spread Home Loan: APR on subject loan of 9.01754% or Final Disclosure APR of 9.10200% is equal to or greater than the threshold of APOR 6.85% + 1.5%, or 8.35000%. Non-Compliant Rate Spread Home Loan. | Provide evidence of ownership and ownership % in the business used for qualifying along with evidence business has been open and active for 2 years. 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: CPA Letter, or Business License, or Other reasonable evidence of business activity. Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. A VVOE is not acceptable. |  | Reviewer Comment (2025-04-29): Business documents verifying ownership % and business open for 2 years provided.<br>Reviewer Comment (2025-04-24): None of the documents provided clear the condition. This has to do with the ATR conditions on the file. Updated comments for more Clarity. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home 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-rate spread loan or (b) keep loan as a rate spread loan 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281635 | xxxxxx | 04/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/Bank Statements) | Provide evidence of ownership and ownership % in the business used for qualifying along with evidence business has been open and active for 2 years. 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: CPA Letter, or Business License, or Other reasonable evidence of business activity. Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. A VVOE is not acceptable. |  | Reviewer Comment (2025-04-29): Business documents verifying ownership % and business open for 2 years provided. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281639 | xxxxxx | 04/18/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) xxxxxx Rate Spread Home Loan (Ability to Repay Requirements Not Met) | xxxxxx Rate Spread Home Loan: Ability to repay requirements not met. | Provide evidence of ownership and ownership % in the business used for qualifying along with evidence business has been open and active for 2 years. 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: CPA Letter, or Business License, or Other reasonable evidence of business activity. Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. A VVOE is not acceptable. |  | Reviewer Comment (2025-04-29): Business documents verifying ownership % and business open for 2 years provided. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | See any available cure under the xxxxxx Rate Spread Home Loan threshold exception. C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33281643 | xxxxxx | 04/18/2025 | 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. | Provide evidence of ownership and ownership % in the business used for qualifying along with evidence business has been open and active for 2 years. 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: CPA Letter, or Business License, or Other reasonable evidence of business activity. Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. A VVOE is not acceptable. |  | Reviewer Comment (2025-04-29): Business documents verifying ownership % and business open for 2 years provided. | 04/29/2025 |  |  | 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 | 832166 | xxxxxx | 33281644 | xxxxxx | 04/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Provide evidence of ownership and ownership % in the business used for qualifying along with evidence business has been open and active for 2 years. 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: CPA Letter, or Business License, or Other reasonable evidence of business activity. Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. A VVOE is not acceptable. |  | Reviewer Comment (2025-04-29): Business documents verifying ownership % and business open for 2 years provided. | 04/29/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33291811 | xxxxxx | 04/18/2025 | 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 (2025-04-29): Received Participant Detail Report. Fraud and OFAC run on the settlement agent. Exception cleared. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | 33292050 | xxxxxx | 04/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-04-30): Received Credit Report refresh dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-04-23): Received Credit Report is dated xxxxxx , that is more than 30 days old. Provide gap credit report or Undisclosed Debt Monitoring (UDM) report dated 30- days prior to loan closing or any time after closing. Exception remains. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832167 | xxxxxx | 33006144 | xxxxxx | 03/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-04-03): Received Guarantor Agreement. Exception cleared. | 04/03/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832167 | xxxxxx | 33022290 | xxxxxx | 03/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The mortgage for the subject property does not appear on the credit report. Mortgage Loan Payoff was provided. Provide a copy of the Note or Mortgage Statement, 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer and proof of borrower's payment for the most recent 6-months is required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-04-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-08): Received same 12 months pay history, that is from the creditor/servicer. Provide borrower's payment for the most recent 6-months. Exception remains.<br>Reviewer Comment (2025-04-07): Received 12 months pay history from creditor/service. Provide proof of borrower's payment for the most recent 6-months. Exception remains. |  |  | 04/09/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832167 | xxxxxx | 33035825 | xxxxxx | 03/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Need 12 months Primary Housing History which is required as per guidelines or proof free and clear. |  | Reviewer Comment (2025-04-24): Per client accepting the statement summary as categorized as 12 months bank statements which does not require 6 month pay history. Property profile report also provided reflecting lien originally held under entity name.<br>Reviewer Comment (2025-04-24): The document provided is a pay history ledger from the lender/servicer vs. individual mortgage statements. Further, the history only covers 10 months. If the loan started 10 months ago, then evidence the primary was previously free and clear will need to be provided as a 12 month history is required. Further, if a servicer/lender pay history is provided, the borrower's 6 month pay history via cancelled checks/bank statements is required.<br>Reviewer Comment (2025-04-22): Received loan payment history from the creditor/servicer from xxxxxx through xxxxxx 25, that covers only 10 months of housing history. Provide additional housing history for primary property. Also, provide Mortgage statement or Note, Proof of borrower's payment for the most recent 6-months, since the mortgage lien does not appear on the credit report. Exception remains. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832167 | xxxxxx | 33035839 | xxxxxx | 03/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The Fraud and OFAC were not run on the Settlement Agent. |  | Reviewer Comment (2025-04-11): Received HUD/LDP. Exception cleared.<br>Reviewer Comment (2025-04-10): Received GSA for settlement agent xxxxxx. Provide HUD/ LDP or updated fraud report. Exception remains.<br>Reviewer Comment (2025-04-07): Received OFAC search. Provide HUD/GSA/LDP or updated fraud report. Exception remains. | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832167 | xxxxxx | 33317709 | xxxxxx | 04/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Post Review: Lender provided updated Note and PPP addendum to the Note and PPP Rider to the DOT. Provide the LOE to borrower, evidence of delivery to the borrower and lender's LOI. |  | Reviewer Comment (2025-04-24): LOI provided<br>Reviewer Comment (2025-04-22): Received LOE to borrower and tracking provided to borrower in LOE email reflects delivered. Pending receipt of lender's LOI. | 04/24/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832171 | xxxxxx | 33031058 | xxxxxx | 03/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First Time Investors are required to own a primary for 1 year. Borrower lives rent free for 7 months. | 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 (2025-03-19): Client elects to waive with verified compensation factors |  |  | 03/19/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832171 | xxxxxx | 33038213 | xxxxxx | 03/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Sellers' xxxxxx and xxxxxx. |  | Reviewer Comment (2025-03-25): Received HUD/GSA/LDP for Seller, xxxxxx and xxxxxx. Exception cleared.<br>Reviewer Comment (2025-03-24): Received OFAC search for xxxxxx and xxxxxx. Provide HUD/GSA/LDP or updated fraud report, for Seller, xxxxxx and xxxxxx. Exception remains. | 03/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832293 | xxxxxx | 33286319 | xxxxxx | 04/21/2025 | 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 $1,500.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 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 | 832293 | xxxxxx | 33287214 | xxxxxx | 04/21/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Must provide two (2) months of proof of the receipt of rental income. The deposits must be to a separate bank account. Any deposits in the business bank statements used in the business income analysis are not eligible. (Note: Lease just started, therefore 2 months rent receipt may not be available which would warrant an exception). |  | Reviewer Comment (2025-04-23): Received 2 months deposit in bank statement. | 04/23/2025 |  |  | 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 | 832311 | xxxxxx | 33309330 | xxxxxx | 04/24/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  | Reviewer Comment (2025-04-29): E-consent provided | 04/29/2025 |  |  | 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 | 832311 | xxxxxx | 33309395 | xxxxxx | 04/24/2025 | 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 4 of the Final CD does not reflect estimated taxes, insurance and assessments. |  | Reviewer Comment (2025-05-02): SitusAMC received Letter of Explanation and Corrected CD. |  | 05/02/2025 |  | 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 | 832311 | xxxxxx | 33309396 | xxxxxx | 04/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | 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 4 of the Final CD does not reflect estimated taxes, insurance and assessments. |  | Reviewer Comment (2025-05-02): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 05/02/2025 |  | 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 | 832311 | xxxxxx | 33309397 | xxxxxx | 04/24/2025 | 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 of the Final CD does not reflect estimated taxes, insurance and assessments. |  | Reviewer Comment (2025-05-02): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 05/02/2025 |  | 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 | 832311 | xxxxxx | 33309398 | xxxxxx | 04/24/2025 | 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) | Page 4 of the Final CD does not reflect a reason why an escrow account is established. |  | Reviewer Comment (2025-05-02): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 05/02/2025 |  | 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 | 832311 | xxxxxx | 33309399 | xxxxxx | 04/24/2025 | 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 (2025-04-29): SitusAMC received initial CD. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | 33309400 | xxxxxx | 04/24/2025 | 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 $1,452.00 exceeds tolerance of $923.00 plus 10% or $1,015.30. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $1,452.00 exceeds tolerance of $923.00 plus 10% or $1,015.30. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-01): Upon further review consumer within 10% tolerance requirements.<br>Reviewer Comment (2025-04-29): SitusAMC received LEs and CDs, Whereas the cure mentioned on Final CD is $162.50 which is insufficient to cure all the exceptions (survey fee $250, Transfer tax $137.00 and Ten percent tolerance $436.70). Therefore, we would require a valid COC for the fee increased or provide additional cure of $661.20. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-04-29): SitusAMC is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. | 05/01/2025 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | 33309402 | xxxxxx | 04/24/2025 | 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 Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 04/29/2025 |  |  | 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 B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | 33309403 | xxxxxx | 04/24/2025 | 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 Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-01): 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 (2025-04-29): SitusAMC is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. | 05/01/2025 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | 33309405 | xxxxxx | 04/24/2025 | 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 Transfer Tax. Fee Amount of $550.00 exceeds tolerance of $413.00. Insufficient or no cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $550.00 exceeds tolerance of $413.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-01): 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 (2025-04-29): SitusAMC received LEs and CDs, Whereas the cure mentioned on Final CD is $162.50 which is insufficient to cure all the exceptions (survey fee $250, Transfer tax $137.00 and Ten percent tolerance $436.70). Therefore, we would require a valid COC for the fee increased or provide additional cure of $661.20. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 05/01/2025 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | 33312940 | xxxxxx | 04/24/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 703 is less than Guideline representative FICO score of 720. | Min credit score for FL CES 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.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-04-23): Client elects to waive with verified compensation factors |  |  | 04/23/2025 | 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 | 832311 | xxxxxx | 33331972 | xxxxxx | 04/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 2024 Business tax returns and 2024 personal returns are signed but not dated by borrower. Tax and business transcripts are not acceptable in lieu of. |  | Reviewer Comment (2025-04-30): Per client email which is accepted as a credit memo, their guidelines are intended to indicate that if there are transcripts in file for personal and business returns, then the actual returns do not need to be signed and dated by the borrower.<br>Reviewer Comment (2025-04-29): Tax transcripts are acceptable if they were provided in lieu of personal and business returns. They were not provided in lieu of and provided with the personal and business returns. Signed and dated personal and business returns are required. | 04/30/2025 |  |  | 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 | 832311 | xxxxxx | 33391263 | xxxxxx | 05/01/2025 | 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 Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | 33391264 | xxxxxx | 05/01/2025 | 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 Transfer Tax. Fee Amount of $550.00 exceeds tolerance of $413.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832319 | xxxxxx | 32969566 | xxxxxx | 03/10/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-03-18): Received E-sign Consent Agreement. Exception cleared.<br>Reviewer Comment (2025-03-12): The documents provided are just the e-sign documents on the dates the borrower signed the xxxxxx . The E-Consent agreement is required. The E-Consent is when the borrower actually consented to received and do business electronically. | 03/18/2025 |  |  | 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 | 832319 | xxxxxx | 32970005 | xxxxxx | 03/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Page 4 incorrectly disclosed the taxes, insurance and assessments and currently reflects loan has an escrow account. |  | Reviewer Comment (2025-03-20): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-03-14): SitusAMC received xxxxxx CD, xxxxxx CD, Disclosure tracking and LOE to borrower. The CD's cannot be used as Corrected CD's (Post Close CD's) as the issue date was prior to the xxxxxx final CD date and would be tested as interim CD's. The LOE & tracking have dates of xxxxxx. Please provide a Corrected CD with post close date with corrections to cure. |  | 03/20/2025 |  | 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 | 832319 | xxxxxx | 32970006 | xxxxxx | 03/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | Page 4 incorrectly disclosed the taxes, insurance and assessments and currently reflects loan has an escrow account. |  | Reviewer Comment (2025-03-20): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-03-14): SitusAMC received xxxxxx CD, xxxxxx CD, Disclosure tracking and LOE to borrower. The CD's cannot be used as Corrected CD's (Post Close CD's) as the issue date was prior to the xxxxxx final CD date and would be tested as interim CD's. The LOE & tracking have dates of xxxxxx. Please provide a Corrected CD with post close date with corrections to cure. |  | 03/20/2025 |  | 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 | 832319 | xxxxxx | 32970009 | xxxxxx | 03/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose the Monthly Escrow Payment. (Final xxxxxx) | Page 1 does not reflect estimated taxes, insurance and assessements |  | Reviewer Comment (2025-03-20): SitusAMC received Letter of Explanation & Corrected Closing Disclosure. |  | 03/20/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832319 | xxxxxx | 32970010 | xxxxxx | 03/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 incorrectly disclosed the taxes, insurance and assessments and currently reflects loan has an escrow account. |  | Reviewer Comment (2025-03-20): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-03-14): SitusAMC received xxxxxx CD, xxxxxx CD, Disclosure tracking and LOE to borrower. The CD's cannot be used as Corrected CD's (Post Close CD's) as the issue date was prior to the xxxxxx final CD date and would be tested as interim CD's. The LOE & tracking have dates of xxxxxx. Please provide a Corrected CD with post close date with corrections to cure. |  | 03/20/2025 |  | 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 | 832319 | xxxxxx | 32970011 | xxxxxx | 03/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 4 incorrectly disclosed the taxes, insurance and assessments and currently reflects loan has an escrow account. |  | Reviewer Comment (2025-03-20): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-03-14): SitusAMC received xxxxxx CD, xxxxxx CD, Disclosure tracking and LOE to borrower. The CD's cannot be used as Corrected CD's (Post Close CD's) as the issue date was prior to the xxxxxx final CD date and would be tested as interim CD's. The LOE & tracking have dates of xxxxxx. Please provide a Corrected CD with post close date with corrections to cure. |  | 03/20/2025 |  | 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 | 832319 | xxxxxx | 32970441 | xxxxxx | 03/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing complete Fraud Report. Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-03-13): Received full Fraud Report. Fraud and OFAC ran on the settlement agent. Exception cleared. | 03/13/2025 |  |  | 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 | 832319 | xxxxxx | 32970587 | xxxxxx | 03/10/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxxxx vs xxxxxx |  | Reviewer Comment (2025-03-12): Updated flood cert provided | 03/12/2025 |  |  | 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 | 832319 | xxxxxx | 32996019 | xxxxxx | 03/10/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Provide the payoff for xxxxxx xxxxxx. A lesser balance was paid on the Final CD than reflected on the most recent gap report. |  | Reviewer Comment (2025-04-04): The borrower has sufficient reserves to cover the difference. The account in question is an open 30-day charge account. The borrower has sufficient funds to cover the balance. Which is allowed by the guidelines. | 04/04/2025 |  |  | 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 | 832319 | xxxxxx | 32996185 | xxxxxx | 03/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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 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 (2025-03-07): Client elects to waive |  |  | 03/07/2025 | 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 | 832358 | xxxxxx | 33109858 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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>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 (2025-03-27): Client elects to waive |  |  | 03/27/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832358 | xxxxxx | 33110091 | xxxxxx | 03/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for Property with unpermitted additions/alterations. xxxxxx is used as xxxxxx. And there is a unpermitted outdoor xxxxxx. No health or safety issues noted. Estimated cost to cure is $1,000. xxxxxx, no health or safety issues noted. No permit was provided and no value given. | 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 (2025-03-27): Client elects to waive with verified compensation factors |  |  | 03/27/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832358 | xxxxxx | 33110182 | xxxxxx | 03/28/2025 | 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 xxxxxx xxxxxx) | VVOE is dated post closing. Provide VVOE within 10 calendar days prior to Note date or a YTD paystub dated within 30 days prior of Note date as required per guidelines. |  | Reviewer Comment (2025-04-03): VVOE dated within 10 days prior to closing provided<br>Reviewer Comment (2025-04-02): An exception cannot be granted for ATR | 04/03/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832358 | xxxxxx | 33110183 | xxxxxx | 03/28/2025 | 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 RTC expiration is xxxxxx and the disbursement date is xxxxxx . If the disbursement date is incorrect on the Final CD, provide the final stamped settlement statement to support. |  | Reviewer Comment (2025-04-01): PC-CD and final stamped closing statement provided verifying actual disbursement date of xxxxxx. Rescission requirements met.<br>Reviewer Comment (2025-03-31): The document provided is a PC-CD which is a lender generated document. Please review the original condition. If the disbursement date is incorrect on the Final CD, provide the final stamped settlement statement to support. | 04/01/2025 |  |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832358 | xxxxxx | 33110202 | xxxxxx | 03/28/2025 | 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. | VVOE is dated post closing. Provide VVOE within 10 calendar days prior to Note date or a YTD paystub dated within 30 days prior of Note date as required per guidelines. |  | Reviewer Comment (2025-04-03): VVOE dated within 10 days prior to closing provided<br>Reviewer Comment (2025-04-02): An exception cannot be granted for ATR | 04/03/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832358 | xxxxxx | 33110203 | xxxxxx | 03/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | VVOE is dated post closing. Provide VVOE within 10 calendar days prior to Note date or a YTD paystub dated within 30 days prior of Note date as required per guidelines. |  | Reviewer Comment (2025-04-03): VVOE dated within 10 days prior to closing provided | 04/03/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832399 | xxxxxx | 33102231 | xxxxxx | 03/27/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file |  | Reviewer Comment (2025-03-28): Final stamped SS provided | 03/28/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832424 | xxxxxx | 33191224 | xxxxxx | 04/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Required per the OA. |  | Reviewer Comment (2025-04-18): Received Corporate Resolution. Exception cleared. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832424 | xxxxxx | 33191238 | xxxxxx | 04/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-04-17): Received Employer Identification Number (EIN) document. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832424 | xxxxxx | 33193075 | xxxxxx | 04/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.19 is less than Guideline PITIA months reserves of 2.00. |  |  | Reviewer Comment (2025-04-15): Updated statement provided for 2 accounts. Borrower now has sufficient reserves. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832424 | xxxxxx | 33194170 | xxxxxx | 04/09/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Loan closed in an Entity and the Note and PPP addendum to the Note does not reflect the Borrowing Entity. | 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 (2025-04-07): Client elects to waive |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832424 | xxxxxx | 33200065 | xxxxxx | 04/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan closed in an Entity. The DOT + Riders signatures do not reflect the Borrowing Entity. Provide the corrected and executed DOT + Riders, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | 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 (2025-05-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-06): Received LOI and corrected and executed DOT + Riders. Pending receipt of LOE to borrower and evidence of delivery to the borrower. |  |  | 05/08/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832455 | xxxxxx | 33096898 | xxxxxx | 03/24/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | PPP addendum to the Note does not reflect the Trust, only Trustee. | 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 (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832455 | xxxxxx | 33096912 | xxxxxx | 03/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 1/2025 mortgage payment for the primary residence. Housing history must be within 45 days of application date. |  | Reviewer Comment (2025-03-25): Received Credit Refresh Report reflecting 1/2025 mortgage payment for primary residence. Exception cleared. | 03/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832457 | xxxxxx | 33074611 | xxxxxx | 03/24/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note shows address xxxxxx & xxxxxx VS. CDA shows xxxxxx |  | Reviewer Comment (2025-03-26): Updated CDA provided | 03/26/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832457 | xxxxxx | 33096946 | xxxxxx | 03/24/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | PPP addendum to the Note does not reflect the Trust, only Trustee. | 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 (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832457 | xxxxxx | 33096949 | xxxxxx | 03/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 1/2025 mortgage payment for the primary residence. Housing history must be within 45 days of application date. |  | Reviewer Comment (2025-03-25): Received Credit Refresh Report reflecting 1/2025 mortgage payment for primary residence. Exception cleared. | 03/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832532 | xxxxxx | 33184112 | xxxxxx | 04/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-23): Received email certification confirming settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-16): Received updated fraud report, Fraud and OFAC search run on settlement agent, xxxxxx. However Final CD does not reflect settlement agent's full name, only xxxxxx is mentioned. Provide document to verify settlement agents full name (lender attestation, email from title, etc is acceptable) . Exception remains. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 832532 | xxxxxx | 33184226 | xxxxxx | 04/09/2025 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The field review reflects an appraisal was reviewed with an effective date of xxxxxx, however the appraisal in file has an effective date of xxxxxx. |  | Reviewer Comment (2025-05-13): Updated field review provided. Per field review page 2 says is the effective date of the appraisal report under review. Lender attesation in comments on error on date and there isn't a xxxxxx appraisal.<br>Reviewer Comment (2025-05-12): The appraiser changed the opinion of market value on page 2 to xxxxxx which is incorrect. The field review cannot be completed prior to the appraisal completion on xxxxxx . The only item mention was page 1 of the field review in previous comments with effective dated. Further, a corrected field review does not clear this condition. Was there an appraisal completed on xxxxxx that the original field review mentioned? If so, that appraisal must be provided.<br>Reviewer Comment (2025-05-06): The same document was provided that was previously provided on xxxxxx Please review the original condition and previous comments from 4.11: the document provided is a recert of value and appraisal delivery. A field review is not an update to the appraisal. It is verifying value. Page 1 of the field review reflects the effective date of the appraisal that was reviewed to perform the field review. The field review reflects an appraisal was reviewed with an effective date of xxxxxx, however the appraisal in file has an effective date of xxxxxx.<br>Reviewer Comment (2025-05-01): The document provided is a recert of value and was already in file at time of review. Please review the original condition and previous comments from 4.11: A field review is not an update to the appraisal. It is verifying value. Page 1 of the field review reflects the effective date of the appraisal that was reviewed to perform the field review. The field review reflects an appraisal was reviewed with an effective date of xxxxxx, however the appraisal in file has an effective date of xxxxxx.<br>Reviewer Comment (2025-04-11): A field review is not an update to the appraisal. It is verifying value. Page 1 of the field review reflects the effective date of the appraisal that was reviewed to perform the field review. The field review reflects an appraisal was reviewed with an effective date of xxxxxx, however the appraisal in file has an effective date of xxxxxx. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 832532 | xxxxxx | 33184245 | xxxxxx | 04/09/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | 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 (2025-04-07): Client elects to waive |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 832532 | xxxxxx | 33184982 | xxxxxx | 04/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR completed by a Private Party must have most recent 6 months proof of payments (e.g. cancelled checks, ACH payments, bank transfers/wires). Provide 6 months proof of payments for borrower's primary residence. The landlord is a non-profit corporation and therefore, a private landlord, if it owns and leases out property, even if its primary mission is charitable or public benefit. | 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 (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-17): Email to investor on 4/10: The landlord is a non-profit corporation and therefore, a private landlord, if it owns and leases out property, even if its primary mission is charitable or public benefit. A property management company is a business that handles the day-to-day operations of a rental property on behalf of the owner.<br>Reviewer Comment (2025-04-16): 6 months proof of payments is requested for borrower's primary residence. Exception remains. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 832545 | xxxxxx | 33095687 | xxxxxx | 03/26/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 1) A Third-Party VOR is required when the borrower renting their primary residence on xxxxxx. 2) Provide the borrower's 6 month bank statements/cancelled checks for the lien not appearing on credit for the subject property with xxxxxx and copy of the Note or Mortgage statement. Lender 12 month Pay history, 12 month VOM and payoff provided. |  | Reviewer Comment (2025-05-06): Borrower pay history provided for subject property<br>Reviewer Comment (2025-05-01): Received Mortgage Statement. Provide the borrower's 6 month bank statements/cancelled checks for the subject property with xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-28): Received VOR for borrower's primary. Provide proof of borrower's payment for the most recent 6-months, along with copy of the note or mortgage statement for the subject property. Exception remains.<br>Reviewer Comment (2025-04-15): Received VOM and Lender 12 month Pay history for the subject property that was already provided at the time of review, also, previously received VOR for borrower's primary was missing account in name of, therefore provide updated VOR. The file is also missing proof of borrower's payment for the most recent 6-months, along with copy of the Note or Mortgage statement for the subject property. Exception remains.<br>Reviewer Comment (2025-04-03): Received VOR for the borrower's primary residence, however Account in name of is not updated. Provide updated VOR for primary residence. 2) Provide the borrower's 6 month bank statements/cancelled checks for the lien not appearing on credit for the subject property with xxxxxx and copy of the Note or Mortgage statement. Exception remains. | 05/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832545 | xxxxxx | 33095688 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-04-24): Received Employer Identification Number (EIN) document. Exception cleared. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832545 | xxxxxx | 33095691 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-04-24): Received Articles of Organization/Formation. Exception cleared. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832545 | xxxxxx | 33095704 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction are not included in the Fraud Report and OFAC searches. Missing Fraud OFAC seller - xxxxxx & settlement agent - xxxxxx. |  | Reviewer Comment (2025-04-21): Received Mortgage Participant List reflecting Fraud and OFAC search for seller and settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-09): Received Fraud Report. Fraud and OFAC not run on the seller - xxxxxx & settlement agent - xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-04): Received updated Fraud Report, Fraud and OFAC not run on the seller - xxxxxx & settlement agent - xxxxxx. Exception remains. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832545 | xxxxxx | 33095856 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Provide the Trust Agreement for xxxxxx Trust (100% owner of borrowing entity). |  | Reviewer Comment (2025-04-24): Received Trust Agreement for xxxxxx Trust. Exception cleared.<br>Reviewer Comment (2025-04-03): Received Operating Agreement which was already in file. Provide the Trust Agreement for xxxxxx Trust (100% owner of borrowing entity). Exception remains. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832545 | xxxxxx | 33109946 | xxxxxx | 03/26/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The Note and PPP addendum to the Note does not reflect the Borrowing Entity, only Guarantor. | 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. | Reviewer Comment (2025-03-25): Client elects to waive |  |  | 03/25/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832545 | xxxxxx | 33109953 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document is not dated. Must be within 1 year of closing. |  | Reviewer Comment (2025-04-28): COGS provided. Series operates and formed under LLC | 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 | 832615 | xxxxxx | 33193416 | xxxxxx | 04/09/2025 | Credit | Asset | Asset Eligibility | Asset | Borrower has gift funds which are ineligible per guidelines. | Financial Institution: xxxxxx // Account Type: Gift Funds / Account Number: xxxx | Gift fund not eligible for Multi-Family xxxxxx unit properties. | 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 (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832615 | xxxxxx | 33193464 | xxxxxx | 04/09/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investor not eligible for Multi-Family xxxxxx unit properties. The 1003 reflects an investment property owned on xxxxxx, however there is no documentation in file to support ownership or length of ownership. |  | Reviewer Comment (2025-04-24): Property profile report provided reflecting property on xxxxxx owned since 2022. Experienced investor.<br>Reviewer Comment (2025-04-23): No new documents were received on xxxxxx Please try uploading again.<br>Reviewer Comment (2025-04-14): Documents are from 2019. Provide the current property profile report to support ownership and length of ownership (if sold, must be within the past 36 months and property must have been owned for 1 year). | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832624 | xxxxxx | 33194100 | xxxxxx | 04/09/2025 | 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 date document is missing from the loan file. |  | Reviewer Comment (2025-04-08): Client elects to waive |  |  | 04/08/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832624 | xxxxxx | 33198392 | xxxxxx | 04/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Preparer did not attest to completing or filing the most recent return for the borrower. If the preparer did not complete or file the most recent return, two months business bank statements for the most recent two (2) months 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. | 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 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. | Reviewer Comment (2025-04-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-28): Received CPA letter only mention that that have filed tax returns for the last two years, however it does not explicitly mention they have completed or filed the the most recent business tax return. Also, the CPA letter is dated post closing. Exception remains. |  |  | 04/29/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 832668 | xxxxxx | 33024261 | xxxxxx | 03/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject CD reflects personal debt is being paid off; therefore, ineligible for DSCR. | 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 (2025-04-04): The client elects to waive. The dollar amount of personal debt is < $300.00 |  |  | 04/04/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832671 | xxxxxx | 33143677 | xxxxxx | 04/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of Ownership | Evidence of ownership % in the business utilized for qualifying was not provided. Articles reflect 2 owners of the business. 2 owners does not mean an automatic xxxxxx split. |  | Reviewer Comment (2025-05-09): License provided verifying ownership % split of xxxxxx .<br>Reviewer Comment (2025-05-08): Escalated review. Articles never provide a breakdown of ownership %, only owners. Evidence of ownership % is required for the borrower to determine if guideline requirements were met for ownership % and to determine calculated income.<br>Reviewer Comment (2025-05-07): The attached documents do not address this condition. Please review the original condition. Evidence of ownership % in the business utilized for qualifying was not provided. Articles reflect 2 owners of the business. 2 owners does not mean an automatic xxxxxx split.<br>Reviewer Comment (2025-04-07): The only person on this loan is xxxxxx. As previously noted in the original condition, 2 owners does not mean an automatic xxxxxx split. Therefore, provide the ownership % for xxxxxx. | 05/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33143743 | xxxxxx | 04/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $-35.63 is less than AUS required disposable income of $1,500.00. | Per the updated 1003, the lender excluded all REO mortgage payments as well as did not include the housing payment or property in xxxxxx. These debts are listed on the borrower's personal credit report and auto deductions from personal account xxxxxx. There is no explanation or evidence in file provided for exclusions. |  | Reviewer Comment (2025-05-08): STR income added for xxxxxx property.<br>Reviewer Comment (2025-04-08): The Final 1008 nor 1003 clear this condition. At time of audit, the xxxxxx residence was included in the ratios and the borrower is short residual income. Further, please review the original condition. Per the updated 1003, the lender excluded all REO mortgage payments.<br>Reviewer Comment (2025-04-07): The 1008 does not clear this condition. Please review the comments in the original condition. Per the updated 1003, the lender excluded all REO mortgage payments as well as did not include the housing payment or property in xxxxxx. These debts are listed on the borrower's personal credit report and auto deductions from personal account xxxxxx. There is no explanation or evidence in file provided for exclusions. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33143801 | xxxxxx | 04/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 100.62194% exceeds Guideline total debt ratio of 50.00000%. | Per the updated 1003, the lender excluded all REO mortgage payments as well as did not include the housing payment or property in xxxxxx. These debts are listed on the borrower's personal credit report and auto deductions from personal account xxxxxx. There is no explanation or evidence in file provided for exclusions. |  | Reviewer Comment (2025-05-08): STR income added for xxxxxx property.<br>Reviewer Comment (2025-04-08): The Final 1008 nor 1003 clear this condition. At time of audit, the xxxxxx residence was included in the ratios and the borrower is short residual income. Further, please review the original condition. Per the updated 1003, the lender excluded all REO mortgage payments. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33143938 | xxxxxx | 04/03/2025 | 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. | Per the updated 1003, the lender excluded all REO mortgage payments as well as did not include the housing payment or property in xxxxxx. These debts are listed on the borrower's personal credit report and auto deductions from personal account xxxxxx. There is no explanation or evidence in file provided for exclusions. |  | Reviewer Comment (2025-05-08): STR income added for xxxxxx property.STR income added for xxxxxx property.<br>Reviewer Comment (2025-04-08): The Final 1008 nor 1003 clear this condition. At time of audit, the xxxxxx residence was included in the ratios and the borrower is short residual income. Further, please review the original condition. Per the updated 1003, the lender excluded all REO mortgage payments. | 05/08/2025 |  |  | 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 | 832671 | xxxxxx | 33143939 | xxxxxx | 04/03/2025 | 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 the updated 1003, the lender excluded all REO mortgage payments as well as did not include the housing payment or property in xxxxxx. These debts are listed on the borrower's personal credit report and auto deductions from personal account xxxxxx. There is no explanation or evidence in file provided for exclusions. |  | Reviewer Comment (2025-05-08): STR income added for xxxxxx property.<br>Reviewer Comment (2025-04-08): The Final 1008 nor 1003 clear this condition. At time of audit, the xxxxxx residence was included in the ratios and the borrower is short residual income. Further, please review the original condition. Per the updated 1003, the lender excluded all REO mortgage payments. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33143940 | xxxxxx | 04/03/2025 | 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 100.62194% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per the updated 1003, the lender excluded all REO mortgage payments as well as did not include the housing payment or property in xxxxxx. These debts are listed on the borrower's personal credit report and auto deductions from personal account xxxxxx. There is no explanation or evidence in file provided for exclusions. |  | Reviewer Comment (2025-05-08): STR income added for xxxxxx property.<br>Reviewer Comment (2025-04-08): The Final 1008 nor 1003 clear this condition. At time of audit, the xxxxxx residence was included in the ratios and the borrower is short residual income. Further, please review the original condition. Per the updated 1003, the lender excluded all REO mortgage payments. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33143944 | xxxxxx | 04/03/2025 | 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 (2025-04-07): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation. | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33143968 | xxxxxx | 04/03/2025 | 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 $223,762.50 is over disclosed by $215.00 compared to the calculated Amount Financed of $223,547.50 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 $223,762.50; calculated amount financed is $223,547.50. Variance is $215.00. |  | Reviewer Comment (2025-04-09): SitusAMC received lender attestation that AMC is primarily for verifying or confirming info on the appraisal<br>Reviewer Comment (2025-04-07): 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. | 04/09/2025 |  |  | 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 if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33143969 | xxxxxx | 04/03/2025 | 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 $368,133.03 is under disclosed by $215.00 compared to the calculated Finance Charge of $368,348.03 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 $368,133.03; calculated finance charge is $368,348.03. Variance is $215.00. |  | Reviewer Comment (2025-04-09): SitusAMC received lender attestation that AMC is primarily for verifying or confirming info on the appraisal<br>Reviewer Comment (2025-04-07): 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. | 04/09/2025 |  |  | 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 if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33146927 | xxxxxx | 04/03/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The xxxxxx residence and expenses were not included on the updated 1003. |  | Reviewer Comment (2025-04-07): Updated 1003 provided adding back in property | 04/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33146989 | xxxxxx | 04/03/2025 | 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 Mortgage Broker Fee. Fee Amount of $5,737.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109) | Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,737.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. A valid COC was not provided in file. |  | Reviewer Comment (2025-04-07): Upon further review consumer within 0% tolerance requirements.<br>Reviewer Comment (2025-04-07): SitusAMC received Changed Circumstance dated xxxxxx . but it does not give sufficient information on why the fee was changed from LPC to BPC. 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. | 04/07/2025 |  |  | 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 | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832671 | xxxxxx | 33430508 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxxxx ledger for xxxxxx property provided post review. Post close rental income cannot be considered. Lender provided xxxxxx ledger from xxxxxx - xxxxxx . Ledger required from xxxxxx - xxxxxx . Provide the xxxxxx xxxxxx month for a full 12 months as required by guidelines. Income added from xxxxxx to closing xxxxxx from ledger and needed to qualify. Further, per lender LOE and xxxxxx listing, property is a xxxxxx. Borrower states no HOA dues on the property per LOE, but if a xxxxxx, then there should be HOA dues. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly mortgage payment has decreased by 26% or $3,308.86.<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. | Reviewer Comment (2025-05-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-09): Lender attestation combined with borrower LOE on no HOA dues is acceptable. However, this does not clear the issue with the STR income. xxxxxx to xxxxxx is 11 months. The guidelines require 12 months for qualifying STR and post-close income cannot be considered. The xxxxxx to xxxxxx needs to be provided. Dividing the current 11 months by 12 does not meet the requirement. Provide the xxxxxx xxxxxx ledger or an investor exception will be required. |  |  | 05/12/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832702 | xxxxxx | 33057901 | xxxxxx | 03/20/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date xxxxxx .Provide the corresponding appraisal. |  | Reviewer Comment (2025-04-04): Updated guidance from the client this is no longer required. | 04/04/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832702 | xxxxxx | 33057950 | xxxxxx | 03/20/2025 | 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 (2025-03-28): FTP provided | 03/28/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832702 | xxxxxx | 33090226 | xxxxxx | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, work escrows are not permitted. Per the Final CD, Escrow Holdback Service Fee of $53,874.83 reflected. |  | Reviewer Comment (2025-04-24): Final signed closing statement provided reflecting fee was never charged matching the PC-CD's.<br>Reviewer Comment (2025-04-09): A revised and signed CD does not clear this. The final stamped settlement statement must be provided to support the fee was never charged.<br>Reviewer Comment (2025-04-02): A PC-CD is a lender generated document and does not clear this condition. If this fee was never charged, provide the final stamped settlement statement to support. It should also be noted, the xxxxxx compliance report was also run with this fee. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832702 | xxxxxx | 33090235 | xxxxxx | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title reflects ECB's are to be omitted but no indication of who listed Omit nor reasoning. |  | Reviewer Comment (2025-03-28): Clear FTP provided | 03/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832710 | xxxxxx | 33244585 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent (unable to determine name of agent) |  | Reviewer Comment (2025-04-22): Received Fraud and OFAC search run on settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-21): Received LOE from Lender stating xxxxxx is settlement agent. However, require confirmation from settlement company. Exception remains. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832724 | xxxxxx | 33125796 | xxxxxx | 03/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the No Ratio < 1.00 guidelines, I/O is not eligible. | 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 (2025-04-02): Client elects to waive with verified compensation factors |  |  | 04/02/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832724 | xxxxxx | 33125831 | xxxxxx | 03/28/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Borrower does not meet the reserve requirement of 12 months 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>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 (2025-04-14): Client elects to waive with verified compensation factors |  |  | 04/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832761 | xxxxxx | 33072981 | xxxxxx | 03/21/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The loan closed in an LLC, however the signature on the PPP addendum to the Note only reflects the Guarantor name. | 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. | Reviewer Comment (2025-03-21): Client elects to waive with verified compensation factors |  |  | 03/21/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832761 | xxxxxx | 33073053 | xxxxxx | 03/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan closed in an LLC, however the signature on the PPP Rider only reflect the Guarantor name. Provide the corrected and executed PPP Rider, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. | 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. | Reviewer Comment (2025-05-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-20): The LOE is not acceptable as it is just trying to get ahold of the borrower to discuss what is wrong with the documents. Further, it does not evidence delivery of the corrected documents. The LOE must reflect what the issue with the docs are and the LOE and corrected docs sent to the borrower.<br>Reviewer Comment (2025-05-16): Received corrected PPP rider and lender's LOI. Pending receipt of LOE to borrower and evidence of delivery to the borrower. These are part of the cure provisions when documents are corrected post-close. |  |  | 05/21/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832761 | xxxxxx | 33073236 | xxxxxx | 03/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxxxx for subject property does not appear on the credit report. Payoff and 12 months history via statements provided. Provide VOM as required per guidelines. | 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. | Reviewer Comment (2025-04-08): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-03-28): Per guidelines, a VOM is required for mortgage not reporting on credit report. Exception remains.<br>Reviewer Comment (2025-03-27): Per guidelines for mortgage lien does not appear on the credit report, one of the following document is required; VOM obtained from current mortgage servicer or lender or VOM completed by a Private Party must have most recent 6 months' proof of payments (e.g. cancelled checks, ACH payments, bank transfers/wires) or Electronic Pay History printout obtained directly from Mortgage servicer or lender showing timely payments. or Bank Statements showing timely payment of mortgage or Cancelled checks front and back as well as the most recent mortgage statement or For private mortgages, a fully executed VOM together with either bank statements OR cancelled checks front and back and a year-end mortgage statement/1098. Exception remains. |  |  | 04/08/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832761 | xxxxxx | 33095180 | xxxxxx | 03/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Transferred Appraisal: A letter must be obtained from the original lender on their letterhead stating they are transferring the appraisal to xxxxxx. The letter must transfer the ownership and rights for the specific transaction. | 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. | Reviewer Comment (2025-04-04): The client elects to waive.<br>Reviewer Comment (2025-03-27): Received Appraisal Transfer letter is from the current lender. The letter head reflects current lender. Please provide appraisal transfer letter from the original lender on their letterhead stating they are transferring the appraisal to xxxxxx. The letter must transfer the ownership and rights for the specific transaction. Exception remains. |  |  | 04/04/2025 | 2 C B | C B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832768 | xxxxxx | 33318707 | xxxxxx | 04/24/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-30): Received E-Sign Consent Agreement. Exception cleared. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832768 | xxxxxx | 33318719 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-04-30): Received Guarantor Agreement. Exception cleared. | 04/30/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832768 | xxxxxx | 33318733 | xxxxxx | 04/24/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Tax Verification |  |  | Reviewer Comment (2025-04-28): Received Tax Certificate. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832768 | xxxxxx | 33322017 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 1) Business Purpose Certificate not provided in file. 2) Occupancy Certificate provided does not have Investment Property checked. |  | Reviewer Comment (2025-04-30): Received Business Purpose Certificate and Occupancy Certificate. Exception cleared. | 04/30/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832768 | xxxxxx | 33333551 | xxxxxx | 04/24/2025 | 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 updated policy with an effective date at time of closing of xxxxxx does not reflect the mortgagee + ISAOA. | 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. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): The updated policy with an effective date of xxxxxx reflects the endorsement took affect post-close on xxxxxx which is not acceptable.<br>Reviewer Comment (2025-04-30): The same older policy was provided that was in file at time of review. Please review the original condition. The updated policy with an effective date at time of closing of xxxxxx does not reflect the mortgagee + ISAOA. |  |  | 05/05/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832768 | xxxxxx | 33333554 | xxxxxx | 04/24/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other, Tax Verification | Provide evidence of free and clear and evidence of taxes. An LOE from the borrower is not acceptable and xxxxxx have property taxes. | 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. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-29): Received HOI, Paid-in-Full confirmation, LOX, that was already provided at the time of review. Provide Property History Report to verify that all lien has been paid off and provide document to verify property taxes. Exception remains. |  |  | 05/05/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | 33287729 | xxxxxx | 04/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or UDM report is required no more than 30 days prior to loan closing. |  | Reviewer Comment (2025-04-25): Received Credit Refresh report dated xxxxxx . Exception cleared. | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | 33287748 | xxxxxx | 04/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception provided due to investment concentration exceeds guideline max of 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. | Reviewer Comment (2025-04-17): Client elects to waive with verified compensation factors |  |  | 04/17/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | 33288418 | xxxxxx | 04/21/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Investor exception provided due to property is involved in a slip and fall litigation against the association. | 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 (2025-04-17): Client elects to waive with verified compensation factors. Per the Client, the litigation does not apply to the borrower or subject unit and is not a health or safety concern. |  |  | 04/17/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | 33293818 | xxxxxx | 04/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Property is an investment and the Business Purpose Certificate was not provided. |  | Reviewer Comment (2025-05-07): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-04-29): Received Guarantor agreement. However, the document requested is for Business Purpose Certificate. Exception remains. | 05/07/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | 33293863 | xxxxxx | 04/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Cert of Good Standing for the Borrowing Entity. |  | Reviewer Comment (2025-04-23): Received Certificate of Good Standing. Exception cleared. | 04/23/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 832799 | xxxxxx | 33193538 | xxxxxx | 04/09/2025 | 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 $546,147.13 is over disclosed by $170.00 compared to the calculated Amount Financed of $545,977.13 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 $546,147.13; calculated amount financed is $545,977.13. Variance is $170.00 for the Appraisal Management Fee. |  | Reviewer Comment (2025-04-14): SitusAMC received lender attestation confirming AMC fee was primarily for verifying or confirming appraisal information. | 04/14/2025 |  |  | 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 if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832799 | xxxxxx | 33193539 | xxxxxx | 04/09/2025 | 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 $1,006,191.64 is under disclosed by $170.00 compared to the calculated Finance Charge of $1,006,361.64 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 $1,006,191.64; calculated finance charge is $1,006,361.64. Variance is $170.00 for the Appraisal Management Fee. |  | Reviewer Comment (2025-04-14): SitusAMC received lender attestation confirming AMC fee was primarily for verifying or confirming appraisal information. | 04/14/2025 |  |  | 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 if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832799 | xxxxxx | 33193542 | xxxxxx | 04/09/2025 | 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 $4,884.00 exceeds tolerance of $4,190.00 plus 10% or $4,609.00. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $4,884.00 exceeds tolerance of $4,190.00 plus 10% or $4,609.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-01): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-04-17): SitusAMC received snip of UW condition and to confirm the timeline, but the reason provided is not valid. The new information received is still not provided due to which the title charges are increased. Please provide more information on reason that leads to increase in title fees like lenders tile insurance fee, wire fee and recording service fee or please provide cure.<br>Reviewer Comment (2025-04-16): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the title fee were 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 (2025-04-13): SitusAMC required valid COC document for increase of title fees or cure of $275 is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 05/01/2025 |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832802 | xxxxxx | 33095098 | xxxxxx | 03/21/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The loan closed in an LLC, however the signature on the PPP addendum to the Note only reflects the Guarantor name. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-03-21): Client elects to waive |  |  | 03/21/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832802 | xxxxxx | 33095102 | xxxxxx | 03/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan closed in an LLC, however the signature on the PPP Rider only reflect the Guarantor name. Provide the corrected and executed PPP Rider, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-04-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-24): Received LOI. Still pending receipt of LOE to the borrower and evidence of delivery to the borrower. Regardless of who worked directly with the borrower, these are still part of the cure provisions and will need to be sent. If not, the the investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-04-17): The email chain between the lender and attorney is not acceptable. An LOE to the borrower, evidence of LOE and corrected documents to the borrower and lender's letter of intent to re-record is required.<br>Reviewer Comment (2025-04-11): Received corrected and executed PPP rider to the DOT. Pending receipt of LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832808 | xxxxxx | 33249640 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-04-21): Received Updated Business Purpose Certificate with effective date as of xxxxxx . Exception cleared.<br>Reviewer Comment (2025-04-21): Received Business Purpose Certificate, effective date was not updated. Exception remains. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832864 | xxxxxx | 33404946 | xxxxxx | 04/09/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is not provided. |  | Reviewer Comment (2025-04-10): E-sign Consent Agreement received and verified. Exception cleared | 04/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832864 | xxxxxx | 33404947 | xxxxxx | 04/09/2025 | 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 evidence in file showing borrower received copy of appraisal. |  | Reviewer Comment (2025-04-14): Received email confirming appraisal provided date. | 04/14/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832931 | xxxxxx | 33194781 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxxxx will produce an OFAC SDN Name screening for all transaction participants (Borrower's/Guarantors, Property Seller's, Brokers, Loan Officer's, Appraisers, Real Estate Agents, Settlement Agents). |  | Reviewer Comment (2025-04-14): Received OFAC SDN search for Appraiser (xxxxxx) & Settlement Agent (xxxxxx). Also received e-mail confirmation. Exception cleared.<br>Reviewer Comment (2025-04-11): Received OFAC search for Broker, Loan Officer and Borrower. Provide OFAC search for Appraiser, xxxxxx and Settlement agent, the person who has signed the HUD-1. Also, provide document to verify settlement agent name, since unable to verify the name from the signature. Exception remains. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832931 | xxxxxx | 33194782 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Ticket to Settlement Agent |  | Reviewer Comment (2025-04-11): Received Wire Trade Ticket to settlement agent. Exception cleared. | 04/11/2025 |  |  | 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 | 832953 | xxxxxx | 33025999 | xxxxxx | 03/18/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | The fraud reports reflects the property owner is an LLC, however, the Note nor Property profile report was provided reflecting the lien is in the name of the LLC or owned by the LLC. |  | Reviewer Comment (2025-03-24): Received HOA statement. Exception cleared.<br>Reviewer Comment (2025-03-20): Received Closing Disclosure reflects there is a HOA dues. Therefore provide HOA statement. Exception remains. | 03/24/2025 |  |  | 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 | 832953 | xxxxxx | 33026035 | xxxxxx | 03/18/2025 | 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 $1,100,823.26 is under disclosed by $461.75 compared to the calculated total of payments of $1,101,285.01 which exceeds the $100.00 threshold. (Final xxxxxx) | The disclosed Total of Payments in the amount of $1,100,823.26 is under disclosed by $461.75 compared to the calculated total of payments of $1,101,285.01. |  | Reviewer Comment (2025-04-08): SitusAMC received Corrected CD, LOE to borrower and copy of final settlement statement<br>Reviewer Comment (2025-04-06): SitusAMC received final settlement statement and previously xxxxxx PCCD. Missing copy of LOE for the xxxxxx PCCD to finalize cure.<br>Reviewer Comment (2025-04-01): Testing on hold until SitusAMC receives final signed ALTA settlement statement.<br>Reviewer Comment (2025-03-27): SitusAMC received xxxxxx PCCD & ALTA settlement statement. However, the Lender's Title Insurance amount does not match. Though endorsement amount reduced, the lender title insurance amount increased and is different than the xxxxxx PCCD. Unable to re-test on the xxxxxx PCCD as this figure does not match to the settlement statement.<br>Reviewer Comment (2025-03-24): SitusAMC recognizes that fees can be updated in dry funding state, however, testing methodology generally remains the same. Creditors are required to disclose CDs based on best information reasonably known to the creditor at time of disclosure. This best information reasonably available standard requires the creditor to exercise due diligence in obtaining the information. Similar to pre-TRID reviews or reviews of loans not subject to TRID, the APR, Finance Charge, TOP and other material disclosures disclosed on the TIL Disclosure provided at consummation are compared to the actual APR, Finance Charge and TOP at consummation (using the fees from the final HUD in file which could be dated post consummation on aa dry state). The accuracy of material disclosures is based on the disclosures provided at or before consummation, not based on a TIL provided post consummation. SitusAMC reviews pursuant to the SFA TRID Grid un Post Close CD - Material Accuracy Test. If changes in fee amounts reflected on the PCCD result from events that occurred after closing not reasonably known to the creditor at time of disclosure of the final CD after exercising diligence in obtaining such information, SitusAMC will review and consider an LOE, attestation, and documentation supporting fee changes are based on post consummation events that could not reasonably be known to creditor and that the disclosed figures were correct at the time of consummation. Must provide supporting documentation that confirms the fees lender disclosed on final CD was the best available information and used due diligence in disclosing those fees.<br>Reviewer Comment (2025-03-21): SitusAMC received compliance report. The compliance report matches to the Final CD on xxxxxx. However, the issue relates to the Post Close CD, which would reflect the actual final for fees and the TOP was revised accordingly. As there was increase in fees over the tolerance threshold, the final CD underdisclosed the TOP calculation for which a cure is due to borrower. Section D totals increased on the PCCD which is part of TOP calculation. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $461.75 and proof of mailing required to cure. | 04/08/2025 |  |  | 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 equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 832953 | xxxxxx | 33028489 | xxxxxx | 03/18/2025 | 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 (2025-03-21): Updated HOI provided | 03/21/2025 |  |  | 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 | 832957 | xxxxxx | 33286487 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final Closing Disclosure is missing page # 2. Please provide complete Final CD. |  | Reviewer Comment (2025-04-23): All pages of the Final CD provided | 04/23/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832957 | xxxxxx | 33286542 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signer of seller, xxxxxx and xxxxxx. |  | Reviewer Comment (2025-04-28): Received Fraud and OFAC searches run on authorized signer of seller, xxxxxx and xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-24): Received Fraud and OFAC search for authorized signer of seller, xxxxxx and xxxxxx. Search is run on incorrect name of xxxxxx. Exception remains. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 832993 | xxxxxx | 33404952 | xxxxxx | 04/22/2025 | 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 (2025-04-24): Received required documentation. Condition cleared. | 04/24/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832993 | xxxxxx | 33404953 | xxxxxx | 04/22/2025 | 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 Preliminary in file. |  |  | Reviewer Comment (2025-04-24): Received required documentation. Condition cleared. | 04/24/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832993 | xxxxxx | 33404958 | xxxxxx | 04/22/2025 | 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 $-2,100.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 832993 | xxxxxx | 33404959 | xxxxxx | 04/22/2025 | 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 Loan Origination Fee. Fee Amount of $4,340.00 exceeds tolerance of $4,200.00. Sufficient or excess cure was provided to the borrower at Closing. (7325) | Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833015 | xxxxxx | 33062170 | xxxxxx | 03/21/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a Report date of xxxxxx . Provide the corresponding appraisal. |  | Reviewer Comment (2025-03-27): Prelim appraisal provided | 03/27/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833015 | xxxxxx | 33062172 | xxxxxx | 03/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-03-27): COGS provided | 03/27/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833015 | xxxxxx | 33062240 | xxxxxx | 03/21/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-04-22): Updated HOI dated prior to closing with increase coverage to match RCE.<br>Reviewer Comment (2025-04-07): The agent verifying 100% replacement cost is verbiage for xxxxxx. We do not know know what the replacement cost is. The agent will need to verify what the replacement cost of the property is or provide the RCE. Please review page 42 of the guidelines, section 1.8.2.7.1.<br>Reviewer Comment (2025-04-07): Per previous comments,100% RC is not the replacement cost estimator. We need to know what the replacement cost estimate is. This is xxxxxx. Provide the RCE.<br>Reviewer Comment (2025-03-27): The same HOI was provided that was in file at time of review. 100% RC is not the replacement cost estimator. We need to know what that is. This is xxxxxx. Provide the RCE. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833015 | xxxxxx | 33062271 | xxxxxx | 03/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Prepayment addendum to Note and PPP Rider to DOT reflects 60 months but the terms provided is for just 1st three years. Provide the corrected and executed PPP addendum to the Note and PPP Rider to the DOT, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | 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 (2025-04-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-22): Received updated PPP addendum to the Note. Pending receipt of corrected and executed PPP rider to the DOT, LOE to borrower, evidence of delivery to the borrower and lender's LOI. |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833030 | xxxxxx | 33274446 | xxxxxx | 04/17/2025 | 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). | The loan closed and the borrowers signed the RTC on xxxxxx The transaction date reflects xxxxxx with an expiration date of xxxxxx Signing on xxxxxx the expiration date is xxxxxx The disbursement date has no bearing on this. The forms must be correct. Cure: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  | Reviewer Comment (2025-05-02): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-05-01): Received LOE to borrower, however condition cannot be cured until rescission period ends which is after midnight on xxxxxx Re-queue condition on xxxxxxfor curing.<br>Reviewer Comment (2025-04-29): Received esigned RTC's with docusign (also evidence of delivery). Pending receipt of LOE to borrower. Also, it should be further noted that the condition cannot be cured until after midnight xxxxxx when new rescission ends. |  | 05/02/2025 |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833030 | xxxxxx | 33274520 | xxxxxx | 04/17/2025 | 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 Transfer Tax. Fee Amount of $2,805.00 exceeds tolerance of $2,681.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increased from $2,681.00 on the initial Loan Estimate to $2,805.00 on the initial Closing Disclosure. Provided cure is insufficient. |  | Reviewer Comment (2025-04-25): SitusAMC received Corrected PCCD, Letter of Explanation and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-04-24): SitusAMC receied LOX. However, we would also require copy of refund check in order to cure the exception.<br>Reviewer Comment (2025-04-22): SitusAMC Received Corrected PCCD and LOE; however, copy of check not received. Provide Copy of check. |  | 04/25/2025 |  | 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 | 833030 | xxxxxx | 33274576 | xxxxxx | 04/17/2025 | 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 Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-04-21): Received updated Fraud Report, Fraud and OFAC search run on Settlement agent, xxxxxx. Exception cleared. | 04/21/2025 |  |  | 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 | 833030 | xxxxxx | 33281692 | xxxxxx | 04/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Permitted for individual(s) earning 100% commission or for independent contractors. 1099 is paid to an LLC, which is not permitted. | Borrower has been employed in the same industry for more than 5 years.<br>The refinance has decreased the borrower's monthly debt payments by 49% or $8,373.57.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-21): Client elects to waive with verified compensation factors |  |  | 04/21/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833030 | xxxxxx | 33281702 | xxxxxx | 04/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Permitted for individual(s) earning 100% commission or for independent contractors. 1099 is paid to an LLC. Provide evidence of ownership in xxxxxx. |  | Reviewer Comment (2025-04-21): Articles provided verifying ownership (only agent, officer, and director listed). | 04/21/2025 |  |  | 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 | 833042 | xxxxxx | 33218367 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provide Guaranty Agreement signed individually at closing, not as a business entity. |  | Reviewer Comment (2025-04-23): Received Guaranty Agreement signed as an Individual. Exception Cleared. | 04/23/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833053 | xxxxxx | 33272776 | xxxxxx | 04/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. 7 months cancelled checks only provided. |  | Reviewer Comment (2025-05-13): Received VOR for borrower's primary residence. Exception cleared.<br>Reviewer Comment (2025-04-25): The client says the Seller is working on the VOR and not to waive it. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833053 | xxxxxx | 33272778 | xxxxxx | 04/17/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-21): Received E-Sign Consent Agreement. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833053 | xxxxxx | 33285178 | xxxxxx | 04/17/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.85574% or Final Disclosure APR of 8.92000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.63000 + 1.75%, or 8.38000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-04-16): Client elects to waive |  |  | 04/16/2025 | 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 | 833064 | xxxxxx | 33453128 | xxxxxx | 05/19/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA is missing Road |  | Reviewer Comment (2025-05-28): New CDA provided with updated address.<br>Reviewer Comment (2025-05-27): The same CDA was provided that was in file at time of review. The CDA does not reflect xxxxxx. | 05/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833081 | xxxxxx | 33104081 | xxxxxx | 03/28/2025 | 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 primary residence on xxxxxx or evidence property is free and clear. |  | Reviewer Comment (2025-04-15): Received corrected application. Exception cleared.<br>Reviewer Comment (2025-04-11): Received updated 1003, however, number of months/years at present address is blank for current at xxxxxx and prior primary located at xxxxxx. Provide updated details to reflects the 2 years of housing history. Exception remains.<br>Reviewer Comment (2025-04-04): Received 12 months of borrower pay history and lender generated pay history for property located at xxxxxx. However per previous comments from lender, borrower is currently living at xxxxxx, application reflects Primary address as xxxxxx, therefore provide corrected application. Exception remains.<br>Reviewer Comment (2025-04-02): Received Note, Mortgage Statement, and 6 months lender generated pay history. Provide corrected 1003 to reflect correct 2 years primary housing history along with 12 month housing history. Exception remains. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833081 | xxxxxx | 33104083 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-03-31): Approval provided | 03/31/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833081 | xxxxxx | 33104089 | xxxxxx | 03/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date xxxxxx .Provide the corresponding appraisal. |  | Reviewer Comment (2025-04-02): Prelim appraisal provided | 04/02/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833081 | xxxxxx | 33104101 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC not provided for Settlement Agent - xxxxxx |  | Reviewer Comment (2025-04-03): Received comprehensive report for settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-01): 1st Page of Final Master Settlement Statement reflects Escrow Officer/Closer as xxxxxx. Therefore provide Fraud and OFAC run on Settlement Agent - xxxxxx. Exception remains. | 04/03/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833081 | xxxxxx | 33104136 | xxxxxx | 03/28/2025 | 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/CDA: xxxxxx vs xxxxxx. |  | Reviewer Comment (2025-04-02): Updated CDA provided<br>Reviewer Comment (2025-04-02): Received corrected appraisal. Pending receipt of corrected CDA | 04/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833081 | xxxxxx | 33110530 | xxxxxx | 03/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects xxxxxx vs xxxxxx |  | Reviewer Comment (2025-03-31): Updated provided | 03/31/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833124 | xxxxxx | 33229519 | xxxxxx | 04/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Provide evidence of taxes and insurance. |  | Reviewer Comment (2025-04-18): HOI and maintenance fees provided. Co-op. Maint fees cover taxes. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33229608 | xxxxxx | 04/15/2025 | 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 (2025-04-16): FTP provided | 04/16/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33229935 | xxxxxx | 04/15/2025 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in xxxxxx | Loan originated post xxxxxx, the subject property is in a xxxxxx, flood insurance is not escrowed. | The subject property is in a xxxxxx, flood insurance is not escrowed. |  | Reviewer Comment (2025-04-11): Client elects to waive |  |  | 04/11/2025 | 2 B | B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33230858 | xxxxxx | 04/15/2025 | 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 (2025-04-16): FTP provided | 04/16/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33242689 | xxxxxx | 04/15/2025 | Credit | Guideline | Guideline Issue | Guideline | Flood Insurance was not escrowed. |  | Per guidelines, flood insurance is required to be escrowed. |  | Reviewer Comment (2025-05-08): Lender attestation provided via Clarity comments that there is no master blanket HOI. The borrower only has the independent coverage.<br>Reviewer Comment (2025-05-07): Received updated appraisal with HOA dues and LOE from consulting firm on the issues. If there is a blanket flood policy, is there a blanket HOI policy? If so, please provide this. The policy in file for $xxxxxxMIL in coverage is in the borrower's name for $13,395/annual premium and there is no other policy in file (i.e. HO6) if this actually a blanket HOI.<br>Reviewer Comment (2025-04-16): This is an independent policy and there is no longer an HOA. Property is a xxxxxx. Per appraisal comments, the two sole owners of the project dissolved the HOA and take responsibility for the maintenance and upkeep of their respective sides of the project. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33242743 | xxxxxx | 04/15/2025 | 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 (2025-05-08): Received updated Note with correct unit number. See additional added conditions. Appraisal is correct.<br>Reviewer Comment (2025-05-07): Address affidavit nor USPS clear this condition. All addresses must match.<br>Reviewer Comment (2025-05-07): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Valuation Type: Appraisal / Valuation Report Date: xxxxxx | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33242748 | xxxxxx | 04/15/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HOI insurance is missing mortgagee + ISAOA. | Borrower has owned the subject property for at least 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>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. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-13): The updated policy is dated post close and not acceptable, even with agent LOE. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33242766 | xxxxxx | 04/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Unit xxxxxx is missing | Borrower has owned the subject property for at least 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>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. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-13): The updated policy is dated post close and not acceptable, even with agent LOE. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33432161 | xxxxxx | 05/08/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | Updated Note provided post-review for address. Provide the updated and executed DOT + Riders, LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. | Borrower has owned the subject property for at least 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>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. | Reviewer Comment (2025-05-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-08): Condition cannot be cleared. The address changed, therefore the updated documents are required. |  |  | 05/09/2025 | 2 B | B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33432164 | xxxxxx | 05/08/2025 | Credit | System | General | System | 1003 Subject Address does not match Note address. |  | Updated Note provided post-review for address. Provide the updated 1003. |  | Reviewer Comment (2025-05-12): Updated 1003 provided | 05/12/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33432165 | xxxxxx | 05/08/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Updated Note provided post-review for address. Provide the updated Flood Cert. |  | Reviewer Comment (2025-05-12): Updated flood cert provided | 05/12/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33432171 | xxxxxx | 05/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Updated Note provided post-review for address. Provide the updated Final Title Policy and PC-CD. |  | Reviewer Comment (2025-05-16): Endorsement to FTP provided dated later updating address.<br>Reviewer Comment (2025-05-14): Updating the title policy would change the date, revision number, etc. As previously mentioned on xxxxxx, the updated title is dated and stamped the same as the old title policy. Provide evidence of which was provided last (i.e. email from title requesting updates).<br>Reviewer Comment (2025-05-12): PC- CD provided. The updated title is dated and stamped the same as the old title policy. Provide evidence of which was provided last (i.e. email from title). | 05/16/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833124 | xxxxxx | 33432174 | xxxxxx | 05/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Updated Note provided post review with address correction. Provide LOE to borrower and evidence of delivery to the borrower. |  | Reviewer Comment (2025-05-12): LOE to borrower and evidence of delivery provided | 05/12/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833128 | xxxxxx | 33179547 | xxxxxx | 04/08/2025 | 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 $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | The Appraisal Review Fee was not disclosed on Initial Loan Estimate and was later disclosed on the loan estimate dated xxxxxx and on final invoice as $35.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-24): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-11): SitusAMC received Changed Circumstance dated xxxxxx but it does not give sufficient information on why the CDA 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. |  | 04/24/2025 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833128 | xxxxxx | 33179548 | xxxxxx | 04/08/2025 | 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 $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | The CDA Fee was not disclosed on Initial Loan Estimate and was later disclosed on the loan estimate dated xxxxxx as $55.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-24): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-11): SitusAMC received Changed Circumstance dated xxxxxx but it does not give sufficient information on why the CDA 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. |  | 04/24/2025 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833182 | xxxxxx | 33103955 | xxxxxx | 03/26/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Prepayment addendum to the note does not list the Trust. | 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 (2025-03-24): Client elects to waive |  |  | 03/24/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833185 | xxxxxx | 33109340 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property solely to the borrower or the affidavit of death deed. |  | Reviewer Comment (2025-04-02): Received death certificate. Exception cleared.<br>Reviewer Comment (2025-03-31): Received Affidavit - death of Joint Tenant. Provide death certificate of decedent. Exception remains. | 04/02/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833185 | xxxxxx | 33109393 | xxxxxx | 03/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-04-01): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833190 | xxxxxx | 33200746 | xxxxxx | 04/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Access letters from the remaining owners of the business must be obtained for business accounts used for closing/reserves. |  | Reviewer Comment (2025-04-16): Received Operating agreement, borrower is 100% owner of the business. Exception cleared. | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833190 | xxxxxx | 33200764 | xxxxxx | 04/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOMs are required on the subject property for any mortgages (xxxxxx). | 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 12 months | Reviewer Comment (2025-04-24): Client elects to waive with verified compensation factors |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833210 | xxxxxx | 33418822 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-14): Received Approval. Exception cleared.<br>Reviewer Comment (2025-05-12): No new documents received. Please try uploading again. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833210 | xxxxxx | 33418823 | xxxxxx | 05/09/2025 | 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 (2025-05-14): Received UDM dated xxxxxx . Exception cleared. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833210 | xxxxxx | 33418834 | xxxxxx | 05/09/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx50(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 (2025-05-20): Received LOE to borrower, signed disclosure by lender and evidence of delivery to borrower.<br>Reviewer Comment (2025-05-15): Received signed acknowledgment, LOE to borrower and tracking that says tracking number was created. Must reflect at minimum in transit. Further, the tracking is to xxxxxx and the borrower lives in xxxxxx. Must provided evidence of where this is being delivered to.<br>Reviewer Comment (2025-05-13): The disclosure was executed post-close by the lender. To cure: Provide LOE to borrower and evidence of delivery of LOE and signed disclosure to the borrower. |  | 05/20/2025 |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833210 | xxxxxx | 33418835 | xxxxxx | 05/09/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx50(a)(6)) xxxxxx Cash-out Loan (xxxxxx Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | xxxxxx Constitution Section 50(a)(6): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | Reviewer Comment (2025-05-07): Client elects to waive |  |  | 05/07/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B C A | D | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833210 | xxxxxx | 33418836 | xxxxxx | 05/09/2025 | 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 (2025-05-13): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833210 | xxxxxx | 33419207 | xxxxxx | 05/09/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-13): Received E-sign consent agreement. Exception cleared. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833239 | xxxxxx | 33287665 | xxxxxx | 04/21/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-04-28): Received RCE. Exception cleared. | 04/28/2025 |  |  | 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 | 833248 | xxxxxx | 33365081 | xxxxxx | 05/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. The gap report is > 30 days (32 days) |  | Reviewer Comment (2025-05-09): Received Credit refresh report dated xxxxxx . Exception cleared. | 05/09/2025 |  |  | 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 | 833248 | xxxxxx | 33368843 | xxxxxx | 05/02/2025 | 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 Settlement / Closing / Escrow Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73147) | COC provided reflects program change from Arm to Fixed, however this change would not add this fee. |  | Reviewer Comment (2025-05-09): SitusAMC received a valid COC. | 05/09/2025 |  |  | 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 A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833248 | xxxxxx | 33368844 | xxxxxx | 05/02/2025 | 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 Underwriting Fee. Fee Amount of $725.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) | COC provided reflects program change from Arm to Fixed, however this change would not add this fee. |  | Reviewer Comment (2025-05-09): SitusAMC received a valid COC. | 05/09/2025 |  |  | 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 A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833248 | xxxxxx | 33368845 | xxxxxx | 05/02/2025 | 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 Processing Fee. Fee Amount of $875.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) | COC provided reflects program change from Arm to Fixed, however this change would not add this fee. |  | Reviewer Comment (2025-05-09): SitusAMC received a valid COC. | 05/09/2025 |  |  | 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 A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833248 | xxxxxx | 33368846 | xxxxxx | 05/02/2025 | 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 $198.00 exceeds tolerance of $175.00. Insufficient or no cure was provided to the borrower. (7520) | Appears cure on the Final CD is for this fee. Once all tolerance conditions are addressed, this one will be addressed. |  | Reviewer Comment (2025-05-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 05/09/2025 |  |  | 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 A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833248 | xxxxxx | 33434063 | xxxxxx | 05/09/2025 | 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 $198.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833265 | xxxxxx | 33186559 | xxxxxx | 04/09/2025 | 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 (2025-04-14): Received gap credit report. Exception cleared. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833265 | xxxxxx | 33204211 | xxxxxx | 04/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide the Final CD for the new second taken out on property. |  | Reviewer Comment (2025-04-10): Final CD provided | 04/10/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33194318 | xxxxxx | 04/08/2025 | 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 | Per guidelines, wage earner income, VVOE must be dated within 10 days prior to the Note date or a paystub provided within 30 days prior to the Note date. |  | Reviewer Comment (2025-04-28): Received paystub dated within 30 days of the note date. Exception cleared.<br>Reviewer Comment (2025-04-23): Received Verification of Income report which is post dated. Provide VVOE dated within 10 days prior to the Note date or a paystub provided within 30 days prior to the Note date. Exception remains. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33194331 | xxxxxx | 04/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-04-16): Received Credit Report dated xxxxxx . Exception cleared. | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33194498 | xxxxxx | 04/08/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.24529% or Final Disclosure APR of 8.25300% is equal to or greater than the threshold of APOR 6.62% + 1.5%, or 8.12000%. 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 (2025-04-16): Appraisal delivery provided | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33194499 | xxxxxx | 04/08/2025 | 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 (2025-04-16): Appraisal delivery provided | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33194523 | xxxxxx | 04/08/2025 | 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 (2025-04-18): SitusAMC Received CD dated xxxxxx . | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33194524 | xxxxxx | 04/08/2025 | 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 $1,552.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,552.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-15): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-14): Situsamc Received Corrected PCCD, LOE and Refund check; hoaever, proof of Mailing not received. Provide Proof of Mailing.<br>Reviewer Comment (2025-05-06): SitusAMC Received COC dated xxxxxx states fee added $1552.50; however, it does not states which fee added and reason for addition of fee. 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 (2025-04-29): SitusAMC received COC without date of change. Therefore, we would require a valid COC for the fee added on CD dated xxxxxx for $1552.50 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (2025-04-22): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the loan discount 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. |  | 05/15/2025 |  | 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 | 833277 | xxxxxx | 33197687 | xxxxxx | 04/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 9.61 is less than Guideline PITIA months reserves of 12.00. |  | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-15): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 9.25 is less than Guideline PITIA months reserves of 12.00.<br>Reviewer Comment (2025-04-10): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 8.38 is less than Guideline PITIA months reserves of 12.00.<br>Reviewer Comment (2025-04-09): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 5.46 is less than Guideline PITIA months reserves of 12.00. |  |  | 04/17/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33197838 | xxxxxx | 04/08/2025 | 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 (2025-04-17): Loan designation updated to Non-QM. Condition no longer applies. | 04/17/2025 |  |  | 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 | 833277 | xxxxxx | 33197839 | xxxxxx | 04/08/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-04-17): Loan designation updated to Non-QM. Condition no longer applies. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33198424 | xxxxxx | 04/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other | Alt Doc: Rental income. 2 months rent receipt required. |  | Reviewer Comment (2025-05-05): Received updated 1003 and 1008. Exception cleared.<br>Reviewer Comment (2025-04-25): Received 1008 however income and DTI is missing. Exception remains.<br>Reviewer Comment (2025-04-23): Received updated 1003. Provide 1008 removing rental income for xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-11): Received Rent Receipt for xxxxxx and xxxxxx. Rental income income for the property located at xxxxxx was not utilized. Therefore provide corrected 1003 and 1008 removing rental income for that property. Exception remains. | 05/05/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | 33302061 | xxxxxx | 04/18/2025 | 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) | SitusAMC Received CD dated xxxxxx and docusign document; however, docusign document does not specify the list of documents sent. Provide List of documents sent along with provided docusign or provide evidence that borrower received the CD dated xxxxxx days prior to closing. |  | Reviewer Comment (2025-04-25): SitusAMC received initial CD. | 04/25/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184550 | xxxxxx | 04/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-04-11): Received Credit refresh report dated xxxxxx . Exception cleared. | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184721 | xxxxxx | 04/09/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception | 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>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 (2025-04-07): Client elects to waive with verified compensation factors |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184726 | xxxxxx | 04/09/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | The VOM provided reflects property address of xxxxxx which is for the Investment Property. Provide updated VOM reflecting subject property address verified. Final 1003 reflects creditors name for subject property address is xxxxxx. |  | Reviewer Comment (2025-04-29): Received 6 months pay history. Exception cleared.<br>Reviewer Comment (2025-04-16): Received VOM for subject property, Provide proof of borrower's payment for the most recent 6-months. Exception remains. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184733 | xxxxxx | 04/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to consider Personal bank statement income without seeing the transfers coming out of business account. | 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>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 (2025-04-07): Client elects to waive with verified compensation factors |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184849 | xxxxxx | 04/09/2025 | 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 $493,363.48 is over disclosed by $83.00 compared to the calculated Amount Financed of $493,280.48 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 $493,363.48; calculated amount financed is $493,280.48. Variance is $83.00. |  | Reviewer Comment (2025-04-25): SitusAMC received LOA<br>Reviewer Comment (2025-04-18): SitusAMC received Corrected CD. However, the Finance charge was underdisclosed by $83. In reviewing compliance report, the following fees were different: Appraisal Management Fee $75, Appraisal management fee $25, Title-CPL $25 and Title-E-recording fee $5.25 were not included, but lender did include a Document prep fee of $17 which was not included in the finance charge. If lender does not agree the AMC fees are not finance charges: 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. | 04/25/2025 |  |  | 1 C A | C 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 if Applicable B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184850 | xxxxxx | 04/09/2025 | 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 $690,289.70 is under disclosed by $83.00 compared to the calculated Finance Charge of $690,372.70 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 $690,289.70; calculated finance charge is $690,372.70. Variance is $83.00. |  | Reviewer Comment (2025-04-25): SitusAMC received LOA<br>Reviewer Comment (2025-04-18): SitusAMC received Corrected CD. However, the Finance charge was underdisclosed by $83. In reviewing compliance report, the following fees were different: Appraisal Management Fee $75, Appraisal management fee $25, Title-CPL $25 and Title-E-recording fee $5.25 were not included, but lender did include a Document prep fee of $17 which was not included in the finance charge. If lender does not agree the AMC fees are not finance charges: 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. | 04/25/2025 |  |  | 1 C A | C 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 if Applicable B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184851 | xxxxxx | 04/09/2025 | 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 Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | Total Lender Cure of $180.67 is reflecting on the Final CD which includes the CDA fees of $150.00 additional charged to the borrower. |  | Reviewer Comment (2025-04-17): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-04-14): SitusAMC received CD dated xxxxxx .However, no COC received in order to clear the exception. Kindly provide a valid COC for the fee added on CD dated xxxxxx for $150 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/17/2025 |  |  | 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 | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184852 | xxxxxx | 04/09/2025 | 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 Fee. Fee Amount of $205.67 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. (7520) | Total Lender Cure of $180.67 is reflecting on the Final CD which includes the Credit Report Fee of $5.67 additional charged to the borrower. |  | Reviewer Comment (2025-04-17): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-04-14): SitusAMC received CD dated xxxxxx .However, no COC received in order to clear the exception. Kindly provide a valid COC for the fee increased on CD dated xxxxxx for $205.67 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/17/2025 |  |  | 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 | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184853 | xxxxxx | 04/09/2025 | 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 Collateral Desktop Analysis paid to AMC. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | Total Lender Cure of $180.67 is reflecting on the Final CD which includes the Collateral Desktop Analysis paid to AMC of $25.00 additional charged to the borrower. |  | Reviewer Comment (2025-04-17): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-04-14): SitusAMC received CD dated xxxxxx .However, no COC received in order to clear the exception. Kindly provide a valid COC for the fee added on CD dated xxxxxx for $25 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/17/2025 |  |  | 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 | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33184854 | xxxxxx | 04/09/2025 | 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 Loan Discount Points. Fee Amount of $5,005.00 exceeds tolerance of $5,000.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,005.00 exceeds tolerance of $5,000.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-17): SitusAMC received valid Changed circumstance.<br>Reviewer Comment (2025-04-14): SitusAMC received CD dated xxxxxx .However, no COC received in order to clear the exception. Kindly provide a valid COC for the fee increased on CD dated xxxxxx for $5005 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/17/2025 |  |  | 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 | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33289408 | xxxxxx | 04/17/2025 | 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 Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33289409 | xxxxxx | 04/17/2025 | 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 $205.67 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | 33289410 | xxxxxx | 04/17/2025 | 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 Collateral Desktop Analysis paid to AMC. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833291 | xxxxxx | 33191219 | xxxxxx | 04/09/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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 (2025-04-07): Client elects to waive |  |  | 04/07/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833291 | xxxxxx | 33191604 | xxxxxx | 04/09/2025 | 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) |  |  | Reviewer Comment (2025-04-04): Sufficient Cure Provided At Closing |  | 04/04/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833291 | xxxxxx | 33204270 | xxxxxx | 04/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Refinance only not checked on Occupancy Cert |  | Reviewer Comment (2025-04-15): Received Occupancy Certificate with borrower initial to verify changes had been made by borrower. Exception cleared. | 04/15/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833443 | xxxxxx | 33281812 | xxxxxx | 04/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-04-23): Received Business Purpose Certificate. Exception cleared. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833443 | xxxxxx | 33293478 | xxxxxx | 04/21/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investor's are required to own a primary for 1 year. The 1003 reflects the borrower owns the property, however per the property profile report, the borrower has no ownership in the primary on xxxxxx. |  | Reviewer Comment (2025-04-23): Property profile report reflecting borrower has vested ownership in primary, however lien is in non-borrower name only. Borrower owns primary since xxxxxx.<br>Reviewer Comment (2025-04-23): The tax cert is not acceptable for ownership if the property profile report reflects a different owner. A tax cert does always reflect the current owner. Provide the current title work for ownership or some other valid documentation of ownership. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833443 | xxxxxx | 33293480 | xxxxxx | 04/21/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Per the fraud report, borrower has no ownership in the primary residence. |  | Reviewer Comment (2025-04-23): Property profile report reflecting borrower has vested ownership in primary, however lien is in non-borrower name only. Borrower owns primary since xxxxxx.<br>Reviewer Comment (2025-04-23): Received Tax Bill which is not sufficient document that borrower is ownership in the primary property. Provide property history report. Exception remains. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833455 | xxxxxx | 33147064 | xxxxxx | 04/04/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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 (2025-03-31): Client elects to waive |  |  | 03/31/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833455 | xxxxxx | 33148466 | xxxxxx | 04/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-04-10): Received Note - Senior Lien. Exception cleared.<br>Reviewer Comment (2025-04-08): Received Note is in amount of xxxxxx, however that mortgage was closed on xxxxxx 20. Per Title, there is a mortgage lien in amount of xxxxxx, for that Note was not provided. Exception remains. | 04/10/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833460 | xxxxxx | 33288739 | xxxxxx | 04/21/2025 | 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. |  | Title to reflect policy amount covering loan amount as provided title policy does not reflect policy amount. |  | Reviewer Comment (2025-04-22): Supplement provided | 04/22/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833460 | xxxxxx | 33290756 | xxxxxx | 04/21/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter in file is incomplete and not signed by the donor. The SOF/Bank info is missing and not signed by the donor. |  | Reviewer Comment (2025-05-19): Received Gift Letter. Exception cleared.<br>Reviewer Comment (2025-05-15): Received Wire Confirmation and Deposit Receipt. However, requested document was not received. Please provide document requested on the original condition. Exception remains. | 05/19/2025 |  |  | 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 | 833460 | xxxxxx | 33304238 | xxxxxx | 04/21/2025 | 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 $1,600.00 exceeds tolerance of $1,500.00. Insufficient or no cure was provided to the borrower. (7507) | Cure nor valid COC provided |  | Reviewer Comment (2025-05-13): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-12): SitusAMC Received Corrected PCCD, LOE and Proof of Mailing; however, Copy of check not received. Provide Copy of Check.<br>Reviewer Comment (2025-04-23): SitusAMC received COC stating " Loan changed from float to lock" which is not a valid reason for the fee to increase. 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. |  | 05/13/2025 |  | 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 | 833460 | xxxxxx | 33304253 | xxxxxx | 04/21/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 with dec page A 1 and 2 completed. |  | Reviewer Comment (2025-04-22): Updated 1003 provided | 04/22/2025 |  |  | 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 | 833467 | xxxxxx | 33469458 | xxxxxx | 04/16/2025 | 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 $200.00 exceeds tolerance of $144.00 plus 10% or $158.40. Insufficient or no cure was provided to the borrower. xxxxxx | 10% tolerance was exceeded by $56.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $56.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Reviewer Comment (2025-05-07): SitusAMC received Letter of Explanation and Corrected CD.<br>Reviewer Comment (2025-05-06): SitusAMC received Post CD and LOX. However, the LOX is not accurate. Kindly provide detailed LOX stating the lender cure of $41.60 mentioned under section J on page 2 of CD.<br>Reviewer Comment (2025-04-21): SitusAMC Lender Credit and Lender Cure are different amounts. Provided lender Credit $41.60 cannot be consider as lender cure as Cure amount is not mentioned under section J inner column. If Lender credit $41.60 is provided for exceeding Ten percent tolerance than provide Corrected PCCD and LOE updated with $41.60 under section J inner column. |  | 05/07/2025 |  | 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 | 833467 | xxxxxx | 33469459 | xxxxxx | 04/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  | Reviewer Comment (2025-05-07): CPA letter confirms ownership and duration of business. Exception cleared. | 05/07/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833467 | xxxxxx | 33469462 | xxxxxx | 04/16/2025 | 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. | Loan designation failure due to ATR failure. Third party verification confirming start/inception date of "xxxxxx' was not provided This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  | Reviewer Comment (2025-05-07): CPA letter confirms ownership and duration of business. Exception cleared. | 05/07/2025 |  |  | 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 | 833467 | xxxxxx | 33469463 | xxxxxx | 04/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | Loan designation failure due to ATR failure. Third party verification confirming start/inception date of "xxxxxx' was not provided This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  | Reviewer Comment (2025-05-07): CPA letter confirms ownership and duration of business. Exception cleared. | 05/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833467 | xxxxxx | 33469464 | xxxxxx | 04/16/2025 | 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) | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-04-21): Appraisal delivery receipt received & associated. Exception cleared. | 04/21/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833467 | xxxxxx | 33469465 | xxxxxx | 04/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.89967% or Final Disclosure APR of 8.98200% is equal to or greater than the threshold of APOR 6.65% + 1.5%, or 8.15000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.89967% or Final Disclosure APR of 8.98200% is equal to or greater than the threshold of APOR 6.65% + 1.5%, or 8.15000%. Non-Compliant Higher Priced Mortgage Loan. |  | Reviewer Comment (2025-04-21): Appraisal delivery receipt received & associated. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833467 | xxxxxx | 33469466 | xxxxxx | 04/16/2025 | 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 | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-04-21): Appraisal delivery receipt received & associated. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833482 | xxxxxx | 33208739 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Please provide Credit and Background Authorization. |  | Reviewer Comment (2025-04-11): CC provided | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833482 | xxxxxx | 33208864 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxxxx will produce an OFAC SDN Name screening for all transaction participants (Borrowers/guarantors, Property Sellers, Brokers, Loan Officers, Appraisers, Real Estate Agents, Settlement Agents). |  | Reviewer Comment (2025-04-11): Received OFAC searches for all parties to the transaction. Exception cleared. | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833482 | xxxxxx | 33209787 | xxxxxx | 04/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | Per guidelines under title requirements, good and marketable fee simple owner's title free of any liens. Title reflects leasehold. | 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. | Reviewer Comment (2025-04-30): Client elects to waive with verified compensation factors.<br> Title supports leasehold agreement is for 99yr lease renewable forever and dated xxxxxx , ok as it is greater than 5 yrs from our maturity date.<br>Reviewer Comment (2025-04-15): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-04-15): Property is not fee simple. Property is a leasehold.<br>Reviewer Comment (2025-04-14): Being a low amount does not negate the fact the guidelines do not allow leasehold properties. Investor can elect to waive with verified compensation factors. |  |  | 04/30/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833482 | xxxxxx | 33209796 | xxxxxx | 04/10/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects Fee Simple vs. Title which reflects Leasehold. Provide the corrected appraisal. |  | Reviewer Comment (2025-04-15): Updated appraisal provided | 04/15/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833486 | xxxxxx | 33216213 | xxxxxx | 04/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.81 is less than Guideline PITIA months reserves of 6.00. | Per guidelines cash out cannot be utilized for reserves on mixed use/multi-family properties. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-05-02): Client elects to waive with verified compensation factors |  |  | 05/02/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833486 | xxxxxx | 33216402 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-23): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-18): Provide HUD/GSA/LDP or updated fraud report. Exception remains.<br>Reviewer Comment (2025-04-16): Received OFAC search is run on incorrect name. Provide fraud and OFAC search for Settlement agent, xxxxxx. Exception remains. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833486 | xxxxxx | 33216414 | xxxxxx | 04/14/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Desk Review address is reflecting xxxxxx and Note address is xxxxxx. |  | Reviewer Comment (2025-04-16): Updated CDA provided | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833486 | xxxxxx | 33216851 | xxxxxx | 04/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR was provided by a private party. Provide the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-05-02): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): Received Ledger from Landlord, that can be considered as VOR, which is from private party. However, per guidelines, any VOR completed by a private party must be supported by alternative documentation showing the most recent 6-month history. Received 6-month rent receipt are made in cash, which is not allowed as per guidelines. Exception remains.<br>Reviewer Comment (2025-04-25): Received Rent receipt are made in cash. Cash payment are not allowed as per guidelines. Exception remains. |  |  | 05/02/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833486 | xxxxxx | 33217245 | xxxxxx | 04/14/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxxxx vs xxxxxx |  | Reviewer Comment (2025-04-16): Updated flood cert provided | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833488 | xxxxxx | 33281348 | xxxxxx | 04/18/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx 92028 Form 1007 or 1025, with Market Rents | As per guidelines On a Refinance transaction – The market rent for the accessory unit should be documented on xxxxxx Form 1007. |  | Reviewer Comment (2025-04-28): Received xxxxxx Form 1007. Exception cleared.<br>Reviewer Comment (2025-04-22): Per client, since schedule E was used to qualify ADU, will allow 1007 ADU post-close. Clear upon submission. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833488 | xxxxxx | 33281350 | xxxxxx | 04/18/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-21): Received Certificate of Completion document. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833488 | xxxxxx | 33291582 | xxxxxx | 04/18/2025 | 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 (2025-04-21): Received updated Fraud Report, Fraud and OFAC search run on Settlement agent, xxxxxx. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833498 | xxxxxx | 33333527 | xxxxxx | 04/29/2025 | 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 . | Expiration date on the RTC is the same as the disbursement date of xxxxxx on the Final CD. If disbursement date is incorrect on the Final CD, provide the final signed settlement statement to support. |  | Reviewer Comment (2025-04-30): Final stamped settlement statement provided to support disbursement date of xxxxxx Rescission met. | 04/30/2025 |  |  | 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 | 833511 | xxxxxx | 33274325 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report not provided. Must contain all participants. |  | Reviewer Comment (2025-04-23): Received full fraud report. All parties to the transaction are included in fraud and OFAC search. Exception cleared.<br>Reviewer Comment (2025-04-22): Received Summary Report which was already in file. Provide Fraud report and OFAC search run on settlement agent and seller (unable to identify the name of the seller from the signature provided.) Exception remains.<br>Reviewer Comment (2025-04-21): No new document was uploaded in clarity. Please provide the document requested on the original condition. Exception remains. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833511 | xxxxxx | 33274470 | xxxxxx | 04/17/2025 | 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. | Minimum loan amount is $150K for Foreign National. 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. | Reviewer Comment (2025-04-15): Client elects to waive with verified compensation factors |  |  | 04/15/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833518 | xxxxxx | 33274839 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-18): Approval associated. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833537 | xxxxxx | 33151127 | xxxxxx | 04/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. The third party document in file reflects 2 owners. In additional the UW worksheet reflects an 85% expense factor was utilized with a 100% ownership, however no documentation in file was provided to support this either. |  | Reviewer Comment (2025-04-28): Received CPA Letter. Exception cleared.<br>Reviewer Comment (2025-04-18): Received CPA with license number. Letter from UW for expense factor is not acceptable, expense factor must be provided by CPA. Exception remains. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833537 | xxxxxx | 33151156 | xxxxxx | 04/04/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date of xxxxxx . There is also a delivery in file dated xxxxxx along with an addendum on the current, updated appraisal report requesting revisions. Provide the corresponding appraisal with a completion date of xxxxxx . |  | Reviewer Comment (2025-04-07): Prelim report provided | 04/07/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833537 | xxxxxx | 33154779 | xxxxxx | 04/04/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx. The file contains a xxxxxx LOE stating the borrower is a 100% owner, which is not acceptable. Evidence of ownership and ownership % must be verified via CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. |  | Reviewer Comment (2025-04-25): Received CPA letter. Exception cleared.<br>Reviewer Comment (2025-04-18): Received CPA letter is dated post closing. Provide CPA letter dated within 120 days prior to Note date. Exception remains. | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833577 | xxxxxx | 33401994 | xxxxxx | 05/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for subject property does not appear on the credit report. Per overlays, provide the borrower's most recent 6-months of payments. VOM, mortgage statement and payoff 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-15): Client elects to waive with verified compensation factors |  |  | 05/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833577 | xxxxxx | 33403294 | xxxxxx | 05/08/2025 | 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 Preliminary in file. |  |  | Reviewer Comment (2025-05-12): Updated title policy provided dated later | 05/12/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833578 | xxxxxx | 33231692 | xxxxxx | 04/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The mortgage for the subject property is in another individuals name per the mortgage statement in file. Payoff also provided. Pending receipt of 12 month VOM as a 12 month history is required on the subject property per guidelines. |  | Reviewer Comment (2025-04-21): Received credit report reporting housing history. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833578 | xxxxxx | 33233854 | xxxxxx | 04/16/2025 | 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 LLC |  | Reviewer Comment (2025-04-21): Received Gift Deed. Exception cleared. | 04/21/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833578 | xxxxxx | 33233924 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx |  | Reviewer Comment (2025-04-21): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833578 | xxxxxx | 33244107 | xxxxxx | 04/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal completed after xxxxxx Long term rents provided on 1007, however lessee is subletting property as short term and look back cannot be provided. Proceeding with 1007 long rents without STR lookback. Investor exception in file. | 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. | Reviewer Comment (2025-04-11): Client elects to waive with verified compensation factors |  |  | 04/11/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833606 | xxxxxx | 33483791 | xxxxxx | 05/22/2025 | 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 Credit Report Fee. Fee Amount of $285.00 exceeds tolerance of $223.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Credit report Fee was last disclosed as $223.00 on the Loan Estimate, but was disclosed as $285.00 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 $62.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |  | 05/19/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833606 | xxxxxx | 33497551 | xxxxxx | 05/22/2025 | 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 DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-05-21): Client elects to waive |  |  | 05/21/2025 | 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 B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833643 | xxxxxx | 33106568 | xxxxxx | 03/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date xxxxxx . Provide the corresponding appraisal. |  | Reviewer Comment (2025-04-01): Received corresponding appraisal dated xxxxxx . Exception cleared. | 04/01/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833643 | xxxxxx | 33106625 | xxxxxx | 03/28/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $13,340.39 is less than Cash From Borrower $77,424.12. |  |  | Reviewer Comment (2025-04-01): Final CD provide from C/O on owned REO property. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833643 | xxxxxx | 33106670 | xxxxxx | 03/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard reflects xxxxxx Note reflects xxxxxx. |  | Reviewer Comment (2025-04-16): Received updated dec page and processor cert. xxxxxx would include xxxxxx. Ok to reflect all xxxxxx units | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833643 | xxxxxx | 33106675 | xxxxxx | 03/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert reflects xxxxxx Note reflects xxxxxx. |  | Reviewer Comment (2025-04-16): Updated flood cert provided | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833643 | xxxxxx | 33106739 | xxxxxx | 03/28/2025 | 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 (2025-04-01): Final CD provide from C/O on owned REO property. | 04/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833643 | xxxxxx | 33110977 | xxxxxx | 03/28/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA refelcts xxxxxx. Note reflects xxxxxx. |  | Reviewer Comment (2025-04-08): An updated CDA was provided. | 04/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833645 | xxxxxx | 33097088 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment Months not provided on the PPP addendum to the Note. Provide the corrected and executed PPP addendum, LOE to borrower, and evidence of delivery to the borrower. |  | Reviewer Comment (2025-04-15): Received LOE from borrower on corrections and signing and delivery and LOI.<br>Reviewer Comment (2025-04-02): Received correct and executed PPP addendum to the Note. Pending LOE to borrower, and evidence of delivery to the borrower. Exception remains. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 833645 | xxxxxx | 33097089 | xxxxxx | 03/26/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Prepayment months not provided on the PPP Rider to the DOT. Provide the corrected and executed PPP Rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-04-15): Received LOE from borrower on corrections and signing and delivery and LOI.<br>Reviewer Comment (2025-04-02): Received correct and executed PPP Rider. Pending LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. Exception remains. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833645 | xxxxxx | 33097543 | xxxxxx | 03/26/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects xxxxxx |  | Reviewer Comment (2025-04-09): Updated HOI provided | 04/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833645 | xxxxxx | 33110909 | xxxxxx | 03/26/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide the lease agreement for the xxxxxx unit. Second Appraisal dated xxxxxx reflects actual rents for lease provided by property manager. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-08): Appraisal dated xxxxxx reflects that the actual rents were provided to the appraiser by the property manager. Therefore provide the lease agreement. Exception remains.<br>Reviewer Comment (2025-03-27): The provided Lease agreement is for "xxxxxx" which was already provided earlier. The exception is cited for Lease agreement missing for "xxxxxx". Kindly provide Lease agreement for "xxxxxx". Exception Remains. |  |  | 04/09/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33324185 | xxxxxx | 04/28/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provide the blanket HOI. There is no evidence there isn't one and the appraisal reflects managed by an HOA. |  | Reviewer Comment (2025-05-08): Master policy provided<br>Reviewer Comment (2025-05-02): The condition is not in regards to an HOA questionnaire but blanket policy. The property is managed by an HOA. The borrower's independent policy is for $287,000 in dwelling coverage on xxxxxx loan amount. It appears there maybe a blanket policy. If there is no blanket policy, provide an attesation to that fact and investor will need to review the dwelling/RCE vs. loan amount. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33324218 | xxxxxx | 04/28/2025 | 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 (2025-04-30): Supplement provided | 04/30/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33324221 | xxxxxx | 04/28/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  | 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 12 months | Reviewer Comment (2025-05-01): Client elects to waive with verified compensation factors |  |  | 05/01/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33324714 | xxxxxx | 04/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-01): Received Watch List. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33344451 | xxxxxx | 04/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Most recent updated appraisal reflects Tenant Occupied. |  | Reviewer Comment (2025-05-15): Received updated appraisal reflecting property as Vacant. Exception cleared.<br>Reviewer Comment (2025-05-02): The most recent appraisal's completion date is xxxxxx which is prior to closing xxxxxx . The lease agreement is required. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33344716 | xxxxxx | 04/28/2025 | 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 | A listing of less than 6 months is allowed if there is a 3 year PPP and the listing cancellation was prior to the Note date. The value will be based off the lesser of the lowest list price or appraised value. Loan has a 3 year PPP as well as the listing was cancelled prior to the Note date, however the lender utilized the higher appraised value of xxxxxx vs the las list price of xxxxxx. Using the last list price the LTV is > 70% which is the max for DSCR < 1.00 on a C/O transaction. | 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 12 months | Reviewer Comment (2025-05-07): Client elects to waive with verified compensation factors |  |  | 05/07/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33344760 | xxxxxx | 04/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | The title reflects the vested LLC took out the mortgage on xxxxxx . Chain of title not provided. Provide evidence to support when the LLC purchased the property to determine if seasoning requirements were met as loan closed xxxxxx which is shy of 12 months ownership. | 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 12 months | Reviewer Comment (2025-05-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-09): Investor to advise if they are taking the letter from title regarding deed an conflicting parcel numbers for property ownership. Assigned to investor.<br>Reviewer Comment (2025-05-08): The deed provided is not for the subject property. Parcels do not match. Deed provided is for Unit xxxxxx per docs and LOE in file.<br>Reviewer Comment (2025-04-30): Item 16 on Schedule B II is not the chain of title. That is when the mortgage was taken out which was xxxxxx If this is when the borrower purchased the property, then the seasoning requirements were not met as the loan closed xxxxxx > 6 months but < 12 months for C/O. |  |  | 05/13/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833653 | xxxxxx | 33386365 | xxxxxx | 04/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy and Supplements: Reflects xxxxxx vs the xxxxxx as a unit number at the end of the address. |  | Reviewer Comment (2025-05-13): Additional supplement provided correcting address.<br>Reviewer Comment (2025-05-02): All addresses must match and the title/supplements must be updated or the final title policy with the correct address. | 05/13/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833655 | xxxxxx | 33176576 | xxxxxx | 04/07/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date of xxxxxx and the file contains an appraisal with completion date xxxxxx . Provide the xxxxxx appraisal. |  | Reviewer Comment (2025-04-15): Per recent client communication, the updated appraisal is considered the most recent and prelim reports prior to updates are no longer required. | 04/15/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833655 | xxxxxx | 33176720 | xxxxxx | 04/07/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Per guidelines, 3 NSF's permitted within the last 12 months. The bank statement account xxxxxx used for qualifying has 5 NSF in 12 months. Account went negative in 8/2024x 1, xxxxxx x 3, and 1/2025 x 1. | Borrower has owned the subject property for at least 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-04-29): Client elects to waive with verified compensation factors |  |  | 04/29/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833655 | xxxxxx | 33176783 | xxxxxx | 04/07/2025 | 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 was not received by borrower at least three (3) business days prior to consummation | The file contains a Closing Disclosure dated xxxxxx , that does not reflect an APR. |  | Reviewer Comment (2025-04-11): SitusAMC received 3-18-25 CD with earlier electronic receipt | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833655 | xxxxxx | 33176784 | xxxxxx | 04/07/2025 | 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 $-1,331.00. Insufficient or no cure was provided to the borrower. (9300) | Cure nor valid COC provided |  | Reviewer Comment (2025-04-15): SitusAMC Received Valid COC along with supporting comments on the exception for discrepancy in COC date.<br>Reviewer Comment (2025-04-11): SitusAMC received COC however there is no date of change mentioned. Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/15/2025 |  |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833655 | xxxxxx | 33176785 | xxxxxx | 04/07/2025 | 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 Loan Discount Points. Fee Amount of $21,057.96 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  | Reviewer Comment (2025-04-15): SitusAMC Received Valid COC along with supporting comments on the exception for discrepancy in COC date.<br>Reviewer Comment (2025-04-11): SitusAMC received COC however there is no date of change mentioned. Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/15/2025 |  |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833655 | xxxxxx | 33176786 | xxxxxx | 04/07/2025 | 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 Mortgage Broker Fee. Fee Amount of $22,260.00 exceeds tolerance of $21,300.00. Insufficient or no cure was provided to the borrower. (73109) | COC dated xxxxxx, however fee increase was not disclosed until xxxxxx |  | Reviewer Comment (2025-04-15): SitusAMC Received Valid COC along with supporting comments on the exception for discrepancy in COC date.<br>Reviewer Comment (2025-04-11): SitusAMC received COC however there is no date of change mentioned. Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/15/2025 |  |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833655 | xxxxxx | 33176787 | xxxxxx | 04/07/2025 | 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 Transfer Tax. Fee Amount of $6,121.50 exceeds tolerance of $5,858.00. Insufficient or no cure was provided to the borrower. (8304) | COC dated xxxxxx, however fee increase was not disclosed until xxxxxx |  | Reviewer Comment (2025-04-15): SitusAMC Received Valid COC along with supporting comments on the exception for discrepancy in COC date.<br>Reviewer Comment (2025-04-11): SitusAMC received COC however there is no date of change mentioned. Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 04/15/2025 |  |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833656 | xxxxxx | 33194997 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Ticket to Settlement Agent |  | Reviewer Comment (2025-04-15): Received Wire Ticket to Settlement Agent. Exception cleared. | 04/15/2025 |  |  | 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 | 833656 | xxxxxx | 33195001 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxxxx will produce an OFAC SDN Name screening for all transaction participants (Borrower's/Guarantors, Property Seller's, Brokers, Loan Officer's, Appraisers, Real Estate Agents, Settlement Agents). |  | Reviewer Comment (2025-04-17): Received OFAC search run on Settlement Agents. Exception cleared.<br>Reviewer Comment (2025-04-15): Received OFAC SDN Name searches for Borrower/Guarantor, Broker, Loan Officer's, Appraisers & Settlement Agents. As per document in file the Settlement Agents name is "xxxxxx"; however, OFAC search provided reflects name as "xxxxxx". Provide correct OFAC search in the name as xxxxxx". Exception Remains. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833656 | xxxxxx | 33209603 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxxxx requires hazard insurance with xxxxxx damage coverage. Nothing is mentioned on the declaration page regarding these coverages. |  | Reviewer Comment (2025-05-19): Received hazard insurance with xxxxxx damage coverage. Exception cleared.<br>Reviewer Comment (2025-04-22): Received declaration reflects the name as xxxxxx, however per HOI policy the agency name is xxxxxx. Therefore, unable to verify if xxxxxx damage is covered under the policy. Exception remains. | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833665 | xxxxxx | 33176733 | xxxxxx | 04/08/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | 1003 in file shows current address as living rent free. VOR in file shows borrower rents property for $500.00. Provide the corrected 1003. |  | Reviewer Comment (2025-04-14): Updated 1003 provided<br>Reviewer Comment (2025-04-10): The exception does not pertain to the investor exception granted. Please review the original exception. 1003 in file shows current address as living rent free. VOR in file shows borrower rents property for $500.00. Provide the corrected 1003. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833665 | xxxxxx | 33177479 | xxxxxx | 04/08/2025 | 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 (2025-04-11): Received Final Title Policy. Exception cleared. | 04/11/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833665 | xxxxxx | 33177482 | xxxxxx | 04/08/2025 | 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 (2025-04-11): Received Final Title Policy. Exception cleared. | 04/11/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833665 | xxxxxx | 33177991 | xxxxxx | 04/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for lack of housing history as borrower pays rent in cash and cannot fully document this. | 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 (2025-04-03): Client elects to waive with verified compensation factors |  |  | 04/03/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833665 | xxxxxx | 33182309 | xxxxxx | 04/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The BP cert in file is not completed. Where the Lender's name should go, it just says "Seller Name", where the loan amount should go, just says "Loan Amount", etc. |  | Reviewer Comment (2025-04-11): BP cert received | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833665 | xxxxxx | 33182312 | xxxxxx | 04/08/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the updated PC-CD with the correct PPP. Currently reflects $0. |  | Reviewer Comment (2025-04-14): Updated PC-CD provided | 04/14/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833713 | xxxxxx | 33403198 | xxxxxx | 05/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 49.92496% exceeds Guideline total debt ratio of 45.00000%. | Investor exception in file allowing DTI up to 49.702%, however DTI is 49.92496%. It appears the lender utilized 70% of the IRA accounts to qualify, however per guidelines, borrower's not of retirement age (59 xxxxxx can only utilized 60% of retirement accounts. Provide the updated exception form. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-09): Client elects to waive with verified compensation factors |  |  | 05/09/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833713 | xxxxxx | 33403204 | xxxxxx | 05/08/2025 | 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. | Investor exception in file allowing DTI up to 49.702%, however DTI is 49.92496%. It appears the lender utilized 70% of the IRA accounts to qualify, however per guidelines, borrower's not of retirement age (59 xxxxxx can only utilized 60% of retirement accounts. Provide the updated exception form. |  | Reviewer Comment (2025-05-09): Loan designation updated to Non-QM. Condition no longer applies. | 05/09/2025 |  |  | 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 | 833713 | xxxxxx | 33403205 | xxxxxx | 05/08/2025 | 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. | Investor exception in file allowing DTI up to 49.702%, however DTI is 49.92496%. It appears the lender utilized 70% of the IRA accounts to qualify, however per guidelines, borrower's not of retirement age (59 xxxxxx can only utilized 60% of retirement accounts. Provide the updated exception form. |  | Reviewer Comment (2025-05-09): Loan designation updated to Non-QM. Condition no longer applies. | 05/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833713 | xxxxxx | 33403212 | xxxxxx | 05/08/2025 | 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 $3,797.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | The COC on xxxxxx reflects the appraised value increase, however, the value did not increase from initial to re-disclosed LE. |  | Reviewer Comment (2025-05-16): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |  | 05/16/2025 |  | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833713 | xxxxxx | 33407516 | xxxxxx | 05/08/2025 | 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 49.92496% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Investor exception in file allowing DTI up to 49.702%, however DTI is 49.92496%. It appears the lender utilized 70% of the IRA accounts to qualify, however per guidelines, borrower's not of retirement age (59 xxxxxx can only utilized 60% of retirement accounts. Provide the updated exception form. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-09): Client elects to waive with verified compensation factors |  |  | 05/09/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833740 | xxxxxx | 33332938 | xxxxxx | 04/29/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-30): E-consent provided | 04/30/2025 |  |  | 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 | 833740 | xxxxxx | 33333399 | xxxxxx | 04/29/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.55305% or Final Disclosure APR of 8.61000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.63000 + 1.75%, or 8.38000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-05-06): Client elects to waive |  |  | 05/06/2025 | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833740 | xxxxxx | 33333433 | xxxxxx | 04/29/2025 | 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. On Fraud report the seller's name is reflecting as xxxxxx. |  | Reviewer Comment (2025-05-05): Received updated Fraud Report. Fraud and OFAC run on the seller. Exception cleared. | 05/05/2025 |  |  | 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 | 833741 | xxxxxx | 33400162 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Page 2 is missing. |  | Reviewer Comment (2025-05-12): All pages of the Note provided | 05/12/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833741 | xxxxxx | 33400168 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed from the vested LLC to the borrowing LLC. |  | Reviewer Comment (2025-05-12): Deed provided | 05/12/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833741 | xxxxxx | 33400169 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-13): Received Background check for settlement agent. Exception cleared. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833741 | xxxxxx | 33400216 | xxxxxx | 05/08/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | All liens must be paid off prior to or at closing. Background report reflects unsecured property tax lien for xxxxxx dated xxxxxx for 2014/2015. |  | Reviewer Comment (2025-05-12): Release of lien provided | 05/12/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833741 | xxxxxx | 33403880 | xxxxxx | 05/08/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The PPP to the Note does not reflect the Entity Name for signature. | 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 12 months | Reviewer Comment (2025-05-02): Client elects to waive |  |  | 05/02/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833741 | xxxxxx | 33403936 | xxxxxx | 05/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage lien does not appear on credit for either lien for the subject property. VOM's, Payoff's and Notes provided. Provide the 6 month borrower pay history for both liens. |  | Reviewer Comment (2025-05-13): Received 6 months Bank Statement for both liens. Exception cleared. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833741 | xxxxxx | 33403948 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide evidence of ownership in xxxxxx (currently vested on title). |  | Reviewer Comment (2025-05-12): OA provided | 05/12/2025 |  |  | 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 | 833743 | xxxxxx | 33306984 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Wire Trade to Settlement Agent. |  | Reviewer Comment (2025-04-25): Received Wire Trade to Settlement Agent. Exception cleared. | 04/25/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833743 | xxxxxx | 33306990 | xxxxxx | 04/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Provide Exchange Agreement and HUD/CD for the property that is exchanged with account No. xxxxxx. |  | Reviewer Comment (2025-05-12): Received HUD documents. Exception cleared. | 05/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833743 | xxxxxx | 33306994 | xxxxxx | 04/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Provide HUD/CD for the property that is exchanged with account No. xxxxxx. |  | Reviewer Comment (2025-05-12): Received HUD documents to clear the exception. Exception cleared.<br>Reviewer Comment (2025-05-06): Received 1031 Exchange agreement, that was already provided at the time of review. The document requested is for HUD-1/CD for the property that is exchanged with account No. xxxxxx. Exception remains. | 05/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833743 | xxxxxx | 33307000 | xxxxxx | 04/23/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal report reflects xxxxxx units under subject phase. However, per HOA questionnaire there are total xxxxxx units, with xxxxxx owner occupied. Provide the updated appraisal. |  | Reviewer Comment (2025-05-07): Updated appraisal provided | 05/07/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833743 | xxxxxx | 33314005 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC report not provided for the Property Sellers and Settlement Agent. |  | Reviewer Comment (2025-04-25): Received OFAC SDN search result for Property Sellers xxxxxx & xxxxxx and Settlement Agent xxxxxx. Exception cleared. | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833744 | xxxxxx | 33361830 | xxxxxx | 05/01/2025 | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA xxxxxxR - Originator Company License Status Not Approved | Truth in Lending Act (xxxxxxR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. | Per the xxxxxx, the Loan Origination Company is not licensed to conduct business in xxxxxx. License must be active from time of application through time of closing. |  | Reviewer Comment (2025-05-06): Exception cleared based on lender being a division of xxxxxx which became a FDIC insured bank on xxxxxx thereby no longer requiring state licensure in xxxxxx.<br>Reviewer Comment (2025-05-05): The LOE is not acceptable. The lender on Note is xxxxxx, a Division of xxxxxx. The on the signature page of the Note and 1003, shows xxxxxx and xxxxxx ID of xxxxxx. When xxxxxx is searched on the xxxxxx site it pulls up xxxxxx". But it is the xxxxxx ID of xxxxxx that shows a status of "Not Currently Authorized" as of xxxxxx . If there is another xxxxxx ID that should be searched to support active and licensed on the xxxxxx to do business in xxxxxx, please provide this in the attestation. | 05/06/2025 |  |  | 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 | 833744 | xxxxxx | 33362894 | xxxxxx | 05/01/2025 | 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 (2025-04-29): Client elects to waive |  |  | 04/29/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833749 | xxxxxx | 33425939 | xxxxxx | 05/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 7.31 is less than Guideline PITIA months reserves of 12.00. | Investor exception in file. | 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 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 (2025-05-08): Client elects to waive with verified compensation factors |  |  | 05/08/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833749 | xxxxxx | 33428092 | xxxxxx | 05/12/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | xxxxxx property on xxxxxx acres. Investor exception in file. | 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 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 (2025-05-08): Client elects to waive with verified compensation factors |  |  | 05/08/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833749 | xxxxxx | 33428105 | xxxxxx | 05/12/2025 | 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 DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-05-08): Client elects to waive |  |  | 05/08/2025 | 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 B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 833754 | xxxxxx | 33216171 | xxxxxx | 04/14/2025 | 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 (2025-04-16): Received updated Fraud Report. Fraud and OFAC run on the Seller. Exception cleared. | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833770 | xxxxxx | 33289098 | xxxxxx | 04/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6: xxxxxx is missing from the insured location address |  | Reviewer Comment (2025-04-28): Received corrected HO6 policy. Exception cleared.<br>Reviewer Comment (2025-04-24): The LOE is not acceptable. The policy screen shotted is the blanket HOI. Per the original condition, the HO6 is missing the xxxxxx from the address. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833770 | xxxxxx | 33291087 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for investor concentration of 77%. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833770 | xxxxxx | 33291093 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for single entity ownership exceeds 20%. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833770 | xxxxxx | 33307648 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx is not reflected in the address |  | Reviewer Comment (2025-04-30): Updated title policy provided<br>Reviewer Comment (2025-04-29): All pages of the corrected title policy must be provided<br>Reviewer Comment (2025-04-28): The address affidavit does not clear this condition. All addresses must match. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33419140 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing for all the borrowers. |  | Reviewer Comment (2025-05-13): Received Final 1003. Exception cleared. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33419590 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Please provide a fully executed guarantee agreement signed by all parties as the Guaranty in file is not executed. |  | Reviewer Comment (2025-05-19): Received fully executed guarantee agreement signed by all parties as the Guaranty. Exception cleared. | 05/19/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33419687 | xxxxxx | 05/09/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a xxxxxx. | Creditor did not provide a fully executed Notice of Special Flood Hazard Disclosure for property located in a xxxxxx. |  | Reviewer Comment (2025-05-07): Client elects to waive |  |  | 05/07/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33419730 | xxxxxx | 05/09/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Unit number is missing on HO6 | 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 (2025-05-20): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-20): The corrected HO6 with unit number added is effective xxxxxx which is post close and not acceptable.<br>Reviewer Comment (2025-05-16): The HO6 provided is not for the subject property |  |  | 05/20/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33419873 | xxxxxx | 05/09/2025 | 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, Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Per guidelines, VVOE needs to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-05-20): VVOE for xxxxxx provided dated within 10 days prior to closing.<br>Reviewer Comment (2025-05-19): Received preclose VVOE for xxxxxx dated within 10 days prior to closing, however still pending receipt of VVOE for xxxxxx per original condition and previous comments.<br>Reviewer Comment (2025-05-14): The VVOE for xxxxxx is dated post-close and not acceptable. Per guidelines, VVOE needs to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. Further, the VVOE dated withn 10 days prior to closing was not provided for xxxxxx. | 05/20/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33421803 | xxxxxx | 05/09/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | xxxxxx initial 1003 is not signed and dated by the LO. | 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 (2025-05-07): Client elects to waive |  |  | 05/23/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33422015 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | COGS from xxxxxx, state the entity was formed, was not provided in the file. |  | Reviewer Comment (2025-05-19): Received COGS from xxxxxx. Exception cleared. | 05/19/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33422583 | xxxxxx | 05/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow the use of short term rental income from the 1007 on the subject property on a full doc 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>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 (2025-05-19): Client elects to waive with verified compensation factors |  |  | 05/19/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33422608 | xxxxxx | 05/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | Per guidelines, VVOE needs to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. |  | Reviewer Comment (2025-05-19): Received preclose VVOE for xxxxxx dated within 10 days prior to closing.<br>Reviewer Comment (2025-05-14): The VVOE for xxxxxx is dated post-close and not acceptable. Per guidelines, VVOE needs to be dated within 10 days prior to closing or a paystub dated within 30 days prior to closing. | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33422653 | xxxxxx | 05/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Gap Report missing for xxxxxx dated within 30 days prior to closing or anytime after. |  | Reviewer Comment (2025-05-14): Gap report for xxxxxx provided | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | 33422678 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the executed business purpose cert. Occupancy Cert only provided. |  | Reviewer Comment (2025-05-21): Received Business Purpose Certificate. Exception cleared. | 05/21/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833792 | xxxxxx | 33404969 | xxxxxx | 04/22/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 641 is less than Guideline representative FICO score of 660. | Borrower's FICO is 641 however borrower's using gift funds on investment properties must have minimum 660 FICO score per 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 qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-04-24): Client elects to waive with compensating factors. |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833822 | xxxxxx | 33470129 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report is missing. Must contain all participants. |  | Reviewer Comment (2025-05-30): Received complete pages of fraud report, Exception cleared.<br>Reviewer Comment (2025-05-29): Received summary report with OFAC search run which was already in file. Provide Full fraud report. Exception remains. | 05/30/2025 |  |  | 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 | 833822 | xxxxxx | 33482536 | xxxxxx | 05/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-05-29): Received Tax certificate and Mortgage Statement. Property is Land only. Exception cleared. | 05/29/2025 |  |  | 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 | 833847 | xxxxxx | 33233880 | xxxxxx | 04/16/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 712 is less than Guideline representative FICO score of 720. | Investor exception in file. Minimum FICO required for xxxxxx is 720 for CES. | 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. | Reviewer Comment (2025-04-14): Client elects to waive with verified compensation factors |  |  | 04/14/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833847 | xxxxxx | 33233952 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-04-14): Client elects to waive |  |  | 04/14/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833847 | xxxxxx | 33233953 | xxxxxx | 04/16/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate shows city as xxxxxx instead of xxxxxx. |  | Reviewer Comment (2025-04-17): Updated flood cert provided | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833847 | xxxxxx | 33242245 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-04-18): Received Fraud and OFAC search run on settlement agent, xxxxxx. Exception cleared. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833847 | xxxxxx | 33272554 | xxxxxx | 04/16/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Provide the payoff for the pace lien. |  | Reviewer Comment (2025-04-18): Received payoff statement for pace lien. Exception cleared. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833847 | xxxxxx | 33272587 | xxxxxx | 04/16/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Per preparer, borrower has been SE for 5 years and was filing Schedule C under self-title up until creating the LLC in xxxxxx xxxxxx. Investor exception in file. | 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. | Reviewer Comment (2025-04-14): Client elects to waive with verified compensation factors |  |  | 04/14/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833854 | xxxxxx | 33469469 | xxxxxx | 04/18/2025 | 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 (2025-05-06): Lender elected to extend closed end credit under xxxxxx Commercial Law Title 12, Subtitle 10. There is no PPP limitation under xxxxxx Credit Grantor ("CG Law" –xxxxxxCommercial Law Title 12, Subtitle 10). | 05/06/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833892 | xxxxxx | 33363466 | xxxxxx | 05/02/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Provide the scored credit report. Only the unscored gap report was provided. |  | Reviewer Comment (2025-05-06): Received Credit Report. Exception cleared. | 05/06/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833892 | xxxxxx | 33364074 | xxxxxx | 05/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of Ownership | The Articles reflect the borrower, xxxxxx as the Officer/Director and the SOS reflects Agent as xxxxxx Corporation and xxxxxx Registered Corporate (xxxxxx) Agent Authorized Employees as xxxxxx. Provide evidence of borrower's ownership % in the business used for qualifying income and assets. | 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 (2025-05-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-21): The email is not acceptable. The business license that reflects sole owners for the borrower reflects a disassociation date of xxxxxx . A disassociation date on a contractor license refers to the date when a key person or entity associated with the license is no longer connected to it, such as a partner, officer, or responsible managing employee. So based on the license, the borrower no longer has ownership as of xxxxxx .<br>Reviewer Comment (2025-05-20): The same exact documents were provided again that were provided on xxxxxx Please review the previous comments. The business license that reflects sole owners for the borrower reflects a disassociation date of xxxxxx . A disassociation date on a contractor license refers to the date when a key person or entity associated with the license is no longer connected to it, such as a partner, officer, or responsible managing employee. So based on the license, the borrower no longer has ownership as of xxxxxx .<br>Reviewer Comment (2025-05-16): The OA provided is not for the business used for income.<br>Reviewer Comment (2025-05-16): The lender attestation is not acceptable. Further, the business license that reflects sole owners for the borrower reflects a disassociation date of xxxxxx . A disassociation date on a contractor license refers to the date when a key person or entity associated with the license is no longer connected to it, such as a partner, officer, or responsible managing employee. So based on the license, the borrower no longer has ownership as of xxxxxx .<br>Reviewer Comment (2025-05-08): Assigned to investor. Investor to advise if the are accepting the Articles of Org as 100% ownership confirmation.<br>Reviewer Comment (2025-05-06): The LOE is not acceptable and a xxxxxx search is not a viable source for information. Also, in reviewing the snip, it says it can act as an agent if the corporation is authorized to engage i business in xxxxxx and is in good standing. Because of the various listed on the Entity documents, another form of documentation will need to be provided to verify ownership % for the borrower such as the OA or a CPA letter dated at or prior to closing. |  |  | 05/21/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833892 | xxxxxx | 33386953 | xxxxxx | 05/02/2025 | 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 DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-04-30): Client elects to waive |  |  | 04/30/2025 | 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 B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 833895 | xxxxxx | 33469473 | xxxxxx | 05/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per credit report, 1003s borrowers are first time homebuyers. Guideline states (8.2 BANK STATEMENT (ALTERNATIVE DOCUMENTATION)) no FTHB. | 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. | Reviewer Comment (2025-05-07): Client elects to waive with compensating factors. |  |  | 05/07/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833895 | xxxxxx | 33469474 | xxxxxx | 05/01/2025 | 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 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 (2025-05-06): Received Title Preliminary document with correct amount. Exception cleared. | 05/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833910 | xxxxxx | 33226551 | xxxxxx | 04/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-22): Approval provided | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833910 | xxxxxx | 33228606 | xxxxxx | 04/15/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted 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>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 (2025-04-24): Client elects to waive with verified compensation factors |  |  | 04/24/2025 | 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 | 833910 | xxxxxx | 33242494 | xxxxxx | 04/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents | Departure Residence utilizing rental income: Market Rent Analysis, Single Family Comparable Rent Schedule (xxxxxx Form 1007). |  | Reviewer Comment (2025-04-24): Removed rental income per client request and updated program to xxxxxx.<br>Reviewer Comment (2025-04-17): Rental income is needed to qualify. Max for xxxxxx DTI is 43%. Excluding rental income, the DTI is a little over 44%. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 833925 | xxxxxx | 33177803 | xxxxxx | 04/08/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The CDA reflects an appraisal was reviewed with a completion date of xxxxxx . Provide the corresponding appraisal. |  | Reviewer Comment (2025-04-10): Prelim report provided | 04/10/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833925 | xxxxxx | 33178150 | xxxxxx | 04/08/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $341,105.99 is less than Cash From Borrower $350,377.62. | Account xxxxxx reflects account names that do not match the borrower. AKA name affidavit does not reflect any of these names. |  | Reviewer Comment (2025-04-30): Updated same name affidavit provided (dated post close), however also wire in file for funds to close reflecting borrower as originator with origination bank listed.<br>Reviewer Comment (2025-04-21): Provide page 2 of the updated name affidavit | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833925 | xxxxxx | 33178182 | xxxxxx | 04/08/2025 | 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 6.00. | Account xxxxxx reflects account names that do not match the borrower. AKA name affidavit does not reflect any of these names. |  | Reviewer Comment (2025-04-30): Updated same name affidavit provided (dated post close), however also wire in file for funds to close reflecting borrower as originator with origination bank listed.<br>Reviewer Comment (2025-04-21): Provide page 2 of the updated name affidavit | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833974 | xxxxxx | 33300844 | xxxxxx | 04/23/2025 | 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 (2025-04-21): Client elects to waive |  |  | 04/21/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833974 | xxxxxx | 33300851 | xxxxxx | 04/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 11.94 is less than Guideline PITIA months reserves of 12.00. | Available for closing is $107,564.56 minus Cash from borrower $57,604.97 = Available for reserves $49,959.59 or 11.94 months. |  | Reviewer Comment (2025-05-07): POCB paid invoice for appraisal received. | 05/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833974 | xxxxxx | 33300862 | xxxxxx | 04/23/2025 | 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. | Minimum reserves were not met. |  | Reviewer Comment (2025-05-07): POCB paid invoice for appraisal received. | 05/07/2025 |  |  | 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 | 833974 | xxxxxx | 33300863 | xxxxxx | 04/23/2025 | 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. | Minimum reserves were not met. |  | Reviewer Comment (2025-05-07): POCB paid invoice for appraisal received. | 05/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833974 | xxxxxx | 33316947 | xxxxxx | 04/23/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | 2023 tax transcripts were provided in the file which reflects business income that does not support the bank statement income. | 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 (2025-05-09): Client elects to waive with verified compensation factors |  |  | 05/09/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 833974 | xxxxxx | 33316963 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | The borrower has 3 child support arrearages that were paid and closed per the credit supplement. Provide the full divorce decrees/child support orders to verify borrower is no longer paying monthly child support for xxxxxx. | 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 (2025-05-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-08): DD escalated review by management. The same documentation was provided that was in file at time of review and is not acceptable.1) The docket numbers provided do not match the document numbers on the credit report 2) A lookup of the docket numbers on the xxxxxx Child Support Website indicates for xxxxxx indicates child support is owed of xxxxxx. The full child support orders for all 3 are required to determine if there is any monthly support owed for each still as well as this arrears balance will also need to be proven has been paid. |  |  | 05/09/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834012 | xxxxxx | 33209161 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-23): Received Approval. Exception cleared. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834012 | xxxxxx | 33209162 | xxxxxx | 04/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2025-04-24): Received Lease Agreement. Exception cleared.<br>Reviewer Comment (2025-04-23): Received Background Check, OFAC and Approval. Provide Lease Agreement. Exception remains. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834012 | xxxxxx | 33209552 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent xxxxxx, not included in the report. |  | Reviewer Comment (2025-04-23): Received Fraud and OFAC search run on settlement agent xxxxxx. Exception cleared. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834012 | xxxxxx | 33229717 | xxxxxx | 04/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage does not appear on credit for subject property. Mortgage Statement, VOM, and pay history provided. Provide the payoff. |  | Reviewer Comment (2025-04-23): Payoff provided | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834033 | xxxxxx | 33217847 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-04-22): Approval provided | 04/22/2025 |  |  | 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 | 834033 | xxxxxx | 33217855 | xxxxxx | 04/14/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Please provide the mortgage statement to reflects insurance and taxes are escrowed. If not, provide evidence of taxes and insurance. |  | Reviewer Comment (2025-04-23): Received Mortgage Statement, to verify taxes and insurance are escrowed. Exception cleared. | 04/23/2025 |  |  | 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 | 834033 | xxxxxx | 33217924 | xxxxxx | 04/14/2025 | 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 on file. |  | Reviewer Comment (2025-04-25): SitusAMC received Seller CD<br>Reviewer Comment (2025-04-23): Please provide Seller CD for review. | 04/25/2025 |  |  | 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 | 834033 | xxxxxx | 33217925 | xxxxxx | 04/14/2025 | 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 $184.40 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $184.40 exceeds tolerance of $125.00. Insufficient cure was provided to the borrower. |  | Reviewer Comment (2025-04-30): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-25): SitusAMC received PCCD, LOE, Refund Check and Proof of Mailing. UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 04/30/2025 |  | 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 | 834033 | xxxxxx | 33352409 | xxxxxx | 04/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final xxxxxx) | SitusAMC received Seller CD reflecting seller costs not disclosed on borrower CD |  | Reviewer Comment (2025-04-30): SitusAMC received Seller CD. | 04/30/2025 |  |  | 1 A | 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 | 834045 | xxxxxx | 33231195 | xxxxxx | 04/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or UDM report is required no more than 30 days prior to loan closing. |  | Reviewer Comment (2025-04-21): Received gap credit report. Exception cleared. | 04/21/2025 |  |  | 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 | 834045 | xxxxxx | 33249428 | xxxxxx | 04/16/2025 | 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 Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The COC in file reflects the appraisal was received on xxxxxx requiring additional services (442), however the fee was not disclosed until xxxxxx which is outside of the 3 day timing requirement. |  | Reviewer Comment (2025-04-28): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-21): SitusAMC received log, but it doesn't give sufficient information on why the reinspection was added as appraisal was completed "as is". Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 04/28/2025 |  | 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 | 834045 | xxxxxx | 33249496 | xxxxxx | 04/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The preparer provided an expense factor, however the preparer does not reference the business being verified. |  | Reviewer Comment (2025-05-01): Client is accepting email from CPA which references business, CPA letter with expense factor as is with no business mention and xxxxxx that reflects a search of borrower's name with no additional businesses found.<br>Reviewer Comment (2025-05-01): The same CPA letter was provided that was previously provided. It does not list the business the expense factor was provided for.<br>Reviewer Comment (2025-04-25): Received email was already in file which reflects only last name of the borrower. Exception remains. | 05/01/2025 |  |  | 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 | 834048 | xxxxxx | 33183936 | xxxxxx | 04/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6 address does not match Note address. xxxxxx Vs 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. | Reviewer Comment (2025-04-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-14): No new document was received. Provide the document as requested on the original comment. Exception remains.<br>Reviewer Comment (2025-04-11): The HO6 provided reflects changes took affect xxxxxx which is post-close and not acceptable. |  |  | 04/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834048 | xxxxxx | 33184015 | xxxxxx | 04/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: The Condominium master insurance policy exceeds a 5% maximum deductible per unit. Building coverage is $xxxxxx. 100% replacement cost with per - unit deductible, per unit, Based on building coverage and total units should be $11,955.88. Request exception for the Per-unit deductible in excess of 5%. The $25K per unit Deductible equates to 10.46%. | 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 (2025-04-03): Client elects to waive with verified compensation factors |  |  | 04/03/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834048 | xxxxxx | 33185301 | xxxxxx | 04/08/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: Unit number is missing |  | Reviewer Comment (2025-04-11): Updated CDA provided | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834049 | xxxxxx | 33200317 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxxxx will produce an OFAC SDN Name screening for all transaction participants (Borrower's/Guarantors, Property Seller's, Brokers, Loan Officer's, Appraisers, Real Estate Agents, Settlement Agents). |  | Reviewer Comment (2025-04-15): Received OFAC search for Appraiser and Settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-11): Received OFAC search for Broker and Loan Officer. Provide OFAC search for Appraiser, xxxxxx and Settlement agent, xxxxxx. Exception remains. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834049 | xxxxxx | 33200320 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Background and Credit Authorization missing |  | Reviewer Comment (2025-04-11): CC provided | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834049 | xxxxxx | 33200321 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Wire Ticket to Settlement Agent |  | Reviewer Comment (2025-04-11): Wire ticket provided | 04/11/2025 |  |  | 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 | 834049 | xxxxxx | 33200329 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Amendment only provided |  | Reviewer Comment (2025-04-11): Lease provided | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834049 | xxxxxx | 33200339 | xxxxxx | 04/10/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  |  | 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 (2025-04-08): Client elects to waive |  |  | 04/08/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834049 | xxxxxx | 33200914 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Amendment only provided. |  | Reviewer Comment (2025-04-11): OA provided | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834049 | xxxxxx | 33209678 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxxxx requires hazard insurance with xxxxxx damage coverage. Nothing is mentioned on the declaration page regarding these coverages. | 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 (2025-05-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-24): This loan was reviewed to the xxxxxx guidelines 8.2024 which requires this coverage. It should also be noted on the updated version of the guidelines provided for xxxxxx, this is also still a requirement as well. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-04-15): Received Email from Insurance agency xxxxxx is included in policy. However per guidelines xxxxxx damage must also be covered. Exception remains. |  |  | 05/16/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834119 | xxxxxx | 33432101 | xxxxxx | 05/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | Section was not completed on page 4 of the Final CD for partial payments. Cure: Letter of Explanation & Corrected Closing Disclosure |  | Reviewer Comment (2025-05-23): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-05-16): Disclosure of this information is required per Dodd-Frank. Cure requires PCCD, LOE, and Proof of mailing. |  | 05/23/2025 |  | 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 | 834119 | xxxxxx | 33434972 | xxxxxx | 05/13/2025 | 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 (2025-05-15): Updated later dated title provided | 05/15/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834119 | xxxxxx | 33435892 | xxxxxx | 05/13/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 with correct time living rent free at xxxxxx. Per the final settlement statement in file, borrower sold their previous primary residence on xxxxxx on xxxxxx (rent free only allowed up to 6 months for 50% DTI for borrower's who recently sold a primary). |  | Reviewer Comment (2025-05-15): Updated 1003 provided. Living rent free for 2 months. Previous primary sold 3/6. | 05/15/2025 |  |  | 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 | 834119 | xxxxxx | 33435943 | xxxxxx | 05/13/2025 | 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.<br> The preparer only verified 100% ownership. |  | Reviewer Comment (2025-05-16): Received business license, to verify the existence of business. Exception cleared. | 05/16/2025 |  |  | 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 | 834123 | xxxxxx | 33287100 | xxxxxx | 04/21/2025 | 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 (2025-05-02): Received Final Title Policy. Exception cleared. | 05/02/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834123 | xxxxxx | 33287105 | xxxxxx | 04/21/2025 | 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 (2025-05-02): Received Final Title Policy. Exception cleared. | 05/02/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834123 | xxxxxx | 33293995 | xxxxxx | 04/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Subject is an investment property and the Business Purpose Certificate was not provided. |  | Reviewer Comment (2025-04-25): Received Business Purpose Certificate. Exception cleared. | 04/25/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834134 | xxxxxx | 33315870 | xxxxxx | 04/28/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The final 1003's in file, REO section, reflects the property on xxxxxx, which is listed as the primary residence on page 1, as an investment. Provide the updated 1003. |  | Reviewer Comment (2025-05-08): Updated 1003 and LOE to borrower with delivery provided | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834134 | xxxxxx | 33335236 | xxxxxx | 04/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-05-08): Received UDM dated xxxxxx . Exception cleared. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834134 | xxxxxx | 33335247 | xxxxxx | 04/28/2025 | 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 | VVOE for B1 - xxxxxx was not provided. VVOE must be dated within 10 days prior to closing or paystub provided within 30 days prior to closing per guidelines. |  | Reviewer Comment (2025-05-09): Received VVOE dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-05-08): Received VVOE is dated post closing. Provide VVOE dated within 10 days prior to closing or paystub provided within 30 days prior to closing. Exception remains. | 05/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834170 | xxxxxx | 33179437 | xxxxxx | 04/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City name does not match Note document |  | Reviewer Comment (2025-04-14): Received updated Hazard Insurance. Exception cleared. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834180 | xxxxxx | 33243953 | xxxxxx | 04/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects Unit xxxxxx vs Note address which does not | 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 (2025-04-24): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-21): Provide Hazard Insurance policy with updated address as per Note.<br> Exception remains. |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834182 | xxxxxx | 33276483 | xxxxxx | 04/17/2025 | 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) | Earliest evidence of consent in file is xxxxxx |  | Reviewer Comment (2025-05-01): SitusAMC received earliest e-consent dated xxxxxx . | 05/01/2025 |  |  | 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 | 834232 | xxxxxx | 33203373 | xxxxxx | 04/10/2025 | 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 (2025-04-14): Received 1004D/442 document. Exception cleared. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 834241 | xxxxxx | 33216052 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provide signed Guaranty Agreement as an individual at closing. Currently reflects Entity by Guarantor. |  | Reviewer Comment (2025-04-17): Received Guarantor Agreement signed as an Individual. Exception Cleared. | 04/17/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834243 | xxxxxx | 33216454 | xxxxxx | 04/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. Lease and bank statements provided. |  | Reviewer Comment (2025-04-17): Received VOR. Exception cleared. | 04/17/2025 |  |  | 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 | 834249 | xxxxxx | 33294362 | xxxxxx | 04/23/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception for xxxxxx property on 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 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 (2025-04-21): Client elects to waive with verified compensation factors |  |  | 04/21/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834252 | xxxxxx | 33293209 | xxxxxx | 04/23/2025 | 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%. | LTV of 70% exceeds guideline maximum of 65% for loan amount <$150,000 on a refinance. Investor Exception in file. | 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 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. | Reviewer Comment (2025-04-21): Client elects to waive with verified compensation factors |  |  | 04/21/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834252 | xxxxxx | 33293576 | xxxxxx | 04/23/2025 | 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 policy in affect at time of closing does not reflect the current lender + ISAOA. There is a post-close policy in file that corrects this, but post-close is not acceptable (xxxxxx is a wet state). | 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 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. | Reviewer Comment (2025-04-24): Client elects to waive with verified compensation factors |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834257 | xxxxxx | 33194423 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The credit and background authorization missing |  | Reviewer Comment (2025-04-11): CC provided | 04/11/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834257 | xxxxxx | 33194425 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxxxx will produce an OFAC SDN Name screening for all transaction participants (Borrower's/Guarantors, Property Seller's, Brokers, Loan Officer's, Appraisers, Real Estate Agents, Settlement Agents). |  | Reviewer Comment (2025-04-14): Received OFAC search for Settlement Agent, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-11): Received OFAC Search for Borrower, Appraiser. Received OFAC search for xxxxxx, however per signed on HUD-1 does not match with the name. Therefore provide OFAC search for the settlement agent that has signed HUD-1. Exception remains. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834257 | xxxxxx | 33209268 | xxxxxx | 04/10/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects Fee Simple vs. Title which reflects Leasehold. Leasehold ground rent exhibit also attached to DOT. Provide the corrected appraisal. |  | Reviewer Comment (2025-04-14): Updated appraisal provided | 04/14/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834257 | xxxxxx | 33209309 | xxxxxx | 04/10/2025 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | Provide the leasehold agreement and evidence of ground rent. Ground rent to be added to ratios. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-14): The document provided is not acceptable. The full leasehold agreement is required.<br>Reviewer Comment (2025-04-15): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-04-15): Property is not fee simple. Property is a leasehold.<br>Reviewer Comment (2025-04-14): Assignment provided reflecting leasehold amount. Being a minimal amount does negate the fact the leasehold agreement is required. Pending receipt of leasehold agreement. Investor can elect to waive with verified compensation factors. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834257 | xxxxxx | 33209479 | xxxxxx | 04/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | Per guidelines under title requirements, good and marketable fee simple owner's title free of any liens. Title reflects leasehold. | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-14): Please review comments from xxxxxx Being a low amount does not negate the fact that the guidelines do not allow leaseholds.<br>Reviewer Comment (2025-04-15): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-04-15): Property is not fee simple. Property is a leasehold.<br>Reviewer Comment (2025-04-14): Being a low amount does not negate the fact that the guidelines do not allow leaseholds. Investor can elect to waive with verified compensation factors. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834260 | xxxxxx | 33371206 | xxxxxx | 05/05/2025 | 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 $-7.20 exceeds tolerance of $-308.00. Insufficient or no cure was provided to the borrower. (9300) | Lender credit was last disclosed as -$308.00 on the Loan Estimate, but was disclosed as -$7.20 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. |  | Reviewer Comment (2025-05-13): SitusAMC Received Valid COC dated xxxxxx .<br>Reviewer Comment (2025-05-13): SitusAMC received LOE explaining the change in pricing due to lock extension. But the LOE provided does not have lender information, borrower information, loan number or any other details to verify. Also, from rate lock dated xxxxxx the lock extension for 1 day can be verified but for lender credit decreased on final CD no additional information is available to verify. Please provide updated LOE with more information to support lock extension dated xxxxxx .<br>Reviewer Comment (2025-05-09): xxxxxx VCC indicates Lender Credit change due to interest rate dependant charges, however the VCC doesn't give details of what changed as the program and the and rate remain the same from previous disclosures. While a loan amount change can affect lender credit the change in lender credit would be the same percentage as the loan amount change, and such is not the case here. The loan amount drops by 4%, but the Lender credit drops by 19.74% on the xxxxxx change and then drops without explanation on the final CD by 97.08 percent on the xxxxxx CD. Please provide information detailing the change that resulted in the lender credit decrease. If the rate lock and points adjustment came with a program or pricing change we are unable to verify that based on the trailing documents.<br>Reviewer Comment (2025-05-08): SitusAMC received COC dated xxxxxx for change in xxxxxx which is already in file but the lender credit again decreased from $247.20 to $7.20 for which no COC provided. 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. | 05/13/2025 |  |  | 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 | 834260 | xxxxxx | 33391756 | xxxxxx | 05/05/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor exception request in file. Provide the approved exception with comp factors. (10 NSF/overdrafts). | 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%. | Reviewer Comment (2025-05-06): Client elects to waive with verified compensation factors |  |  | 05/06/2025 | 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 | 834260 | xxxxxx | 33391807 | xxxxxx | 05/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Gap report is dated > 30 days from closing (32 days) |  | Reviewer Comment (2025-05-08): Received UDM report dated xxxxxx . Exception cleared. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834261 | xxxxxx | 33208556 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  | Reviewer Comment (2025-04-14): Received Lease Agreement. Exception cleared. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834261 | xxxxxx | 33208557 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxxxx will produce an OFAC SDN Name screening for all transaction participants Borrowers/guarantors, Property Sellers, Brokers, Loan Officers, Appraisers, Real Estate Agents, Settlement Agents). |  | Reviewer Comment (2025-04-14): Received OFAC SDN Name screening search for all parties to the transaction. Exception Cleared. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834261 | xxxxxx | 33208561 | xxxxxx | 04/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Please provide Credit and Background Authorization. |  | Reviewer Comment (2025-04-14): Received Credit & Background Authorization. Exception cleared. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834314 | xxxxxx | 33224752 | xxxxxx | 04/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx; seller, xxxxxx |  | Reviewer Comment (2025-04-15): Received updated Fraud and OFAC search run on Authorized signor for seller, xxxxxx & Settlement agent xxxxxx. Exception cleared. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834314 | xxxxxx | 33230843 | xxxxxx | 04/14/2025 | 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 (2025-04-16): Clearance LOE provided along with several docs | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834321 | xxxxxx | 33344205 | xxxxxx | 04/30/2025 | 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 (2025-05-01): Received Final Title Policy. Exception cleared. | 05/01/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834321 | xxxxxx | 33344210 | xxxxxx | 04/30/2025 | 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 (2025-05-01): Received Final Title Policy. Exception cleared. | 05/01/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C A B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834321 | xxxxxx | 33344298 | xxxxxx | 04/30/2025 | 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 $150.00 exceeds tolerance of $125.00 plus 10% or $137.50. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $125.00 plus 10% or $137.50. Insufficient or no cure was provided to the borrower |  | Reviewer Comment (2025-05-07): SitusAMC Received Corrected PCCD along with Closing statement and LOE.<br>Reviewer Comment (2025-05-05): SitusAMC received corrected PCCD updating the recording fee but missing LOE to accompanied CD. | 05/07/2025 |  |  | 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 B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834327 | xxxxxx | 33143793 | xxxxxx | 04/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business Narrative, CPA Letter | 1) There is no supporting documents to verify the business ownership for the provided bank statements. Provide evidence to verify that the borrower has ownership of at least 25% of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. 2) Please provide a Business Narrative as unable to determine nature of the business. |  | Reviewer Comment (2025-04-23): Received Business Narrative. Exception cleared.<br>Reviewer Comment (2025-04-14): Received business narrative document however date is xxxxxx . Exception remains.<br>Reviewer Comment (2025-04-09): Received CPA letter to verify ownership of business. Provide Business Narrative to determine nature of the business. Exception remains. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834327 | xxxxxx | 33146701 | xxxxxx | 04/03/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Borrower has a total of 16 NSF's in there last 12 months. Borrower has provided an LOE. There is not an 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. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-22): Received LOE however investor exception is missing. Provide Investor exception. Exception remains.<br>Reviewer Comment (2025-04-18): Please review the original condition. The LOE provided was already in file at time of review. Excessive NSF's require both an LOE and investor exception. |  |  | 04/28/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834327 | xxxxxx | 33146743 | xxxxxx | 04/03/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects revisions were requested and updated on xxxxxx The updated appraisal dated xxxxxx was provided. Provide the prelim report dated prior to updates. |  | Reviewer Comment (2025-04-08): Prelim report provided | 04/08/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834337 | xxxxxx | 33441074 | xxxxxx | 04/18/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Final Title policy is missing. |  | Reviewer Comment (2025-04-23): Received Final Title policy with correct policy amount, information validated. Exception Cleared. | 04/23/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834337 | xxxxxx | 33441075 | xxxxxx | 04/18/2025 | 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 does not have policy amount, and the Final Title policy is missing. |  | Reviewer Comment (2025-04-23): Received Final Title policy with correct policy amount, information validated. Exception Cleared. | 04/23/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834341 | xxxxxx | 33317646 | xxxxxx | 04/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-04-29): Received Tax Certificate. Exception cleared. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834344 | xxxxxx | 33300925 | xxxxxx | 04/22/2025 | 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. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-04-29): SitusAMC received disclosure tracking for the xxxxxx CD. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834344 | xxxxxx | 33300951 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Settlement Agent, xxxxxx, is missing. |  | Reviewer Comment (2025-05-06): Received updated Fraud Report. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834356 | xxxxxx | 33403835 | xxxxxx | 05/07/2025 | 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 (2025-05-08): Received UDM dated xxxxxx . Exception cleared. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834356 | xxxxxx | 33404058 | xxxxxx | 05/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-12): Fraud and OFAC Report run on seller. Exception cleared.<br>Reviewer Comment (2025-05-08): Received same Fraud Report, that was already provided at the time of review. Provide Fraud and OFAC search for signor for seller, xxxxxx. Exception remains. | 05/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834356 | xxxxxx | 33404589 | xxxxxx | 05/07/2025 | 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 Loan Origination Fee. Fee Amount of $6,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | The COC provided states the loan amount was updated, however this would not change LPC to BPC. A valid COC must be provided to support the change or a refund is required. |  | Reviewer Comment (2025-05-08): SitusAMC received valid COC dated as xxxxxx | 05/08/2025 |  |  | 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 | 834412 | xxxxxx | 33149937 | xxxxxx | 04/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx Award Letter / Continuance Letter<br> P&L Statement | 1) Provide Award letter for Disability income (Borrower : xxxxxx) in the amount of $1,170. 2) Provide the 2024 P&L for xxxxxx. |  | Reviewer Comment (2025-05-05): Per client, requested removal of income due to insufficient documentation. Docs no longer required.<br>Reviewer Comment (2025-05-05): Removing the disability income and SE income, the DTI would be 43.91304% which exceeds the max of 43%. | 05/05/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33150238 | xxxxxx | 04/04/2025 | 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 documentation |  | Reviewer Comment (2025-04-22): Third party verification of SE dated prior to closing provided | 04/22/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status D B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33150239 | xxxxxx | 04/04/2025 | 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 Properties/Schedule C) | The third party varication of SE for xxxxxx is dated post close. Per guidelines, Existence of the borrower's business 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. |  | Reviewer Comment (2025-04-22): Third party verification of SE dated prior to closing provided | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33150242 | xxxxxx | 04/04/2025 | 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 documentation |  | Reviewer Comment (2025-04-22): Third party verification of SE dated prior to closing provided | 04/22/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33150259 | xxxxxx | 04/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 7.02 is less than Guideline PITIA months reserves of 12.00. |  | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors |  |  | 05/05/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33150289 | xxxxxx | 04/04/2025 | 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 (2025-05-05): Loan designation updated to Non-QM. Condition no longer applies. | 05/05/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33150552 | xxxxxx | 04/04/2025 | 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 (2025-04-24): Received updated Fraud Report. Fraud and OFAC search run on authorized signor for seller, xxxxxx. Exception cleared. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33152753 | xxxxxx | 04/04/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Payoffs on the final CD match do match the payoffs on the most recent gap report dated xxxxxx credit report which shows a higher balance for the xxxxxx accounts. |  | Reviewer Comment (2025-05-05): Updated 1008/1003 adding back in debts provided | 05/05/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33152910 | xxxxxx | 04/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The borrower's property on xxxxxx is pending sale. Purchase contract provided. Pending receipt of confirmation that any financing contingencies have been cleared or provide proof the property sold at or prior to closing of current transaction. |  | Reviewer Comment (2025-05-05): Purchase contract provided with removal of buyer contingencies checked and signed. | 05/05/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33322812 | xxxxxx | 04/22/2025 | 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. | Insufficient reserves |  | Reviewer Comment (2025-05-05): Loan designation updated to Non-QM. Condition no longer applies. | 05/05/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33409307 | xxxxxx | 05/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.91304% exceeds Guideline total debt ratio of 43.00000%. | Per client, removed disability income for B3 and SE income for B2. | 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 (2025-05-05): Client elects to waive with verified compensation factors |  |  | 05/05/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | 33409345 | xxxxxx | 05/05/2025 | 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 43.91304% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per client, removed disability income for B3 and SE income for B2. | 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 (2025-05-05): Client elects to waive with verified compensation factors |  |  | 05/05/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834413 | xxxxxx | 33313210 | xxxxxx | 04/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide 6 months (cancelled checks, rental statements including payment history, etc.). for borrower's primary residence. Appears to be private VOR. |  | Reviewer Comment (2025-04-30): Received 6 months cancelled checks. Exception cleared. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834413 | xxxxxx | 33325972 | xxxxxx | 04/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an Occupancy Cert in file dated xxxxxx that reflects Investment. However, there are two additional occupancy certs in file dated xxxxxx and xxxxxx that reflect Primary Residence, an updated 1003 with the dec page reflecting intent to occupy and initial 1003 which reflects Primary Residence with intent to occupy. |  | Reviewer Comment (2025-05-09): Lender attesation provided<br>Reviewer Comment (2025-05-07): Received updated occupancy cert with xxxxxx. Still pending receipt on lender attestation regarding errors.<br>Reviewer Comment (2025-05-06): Updated 1003 w/docusign provided for corrections, however please review original condition and the comments on xxxxxx The corrected occupancy cert is also required as the later dated certs reflect primary residence as well as lender attestation on errors.<br>Reviewer Comment (2025-04-29): The full and corrected 1003 must be provided with the docusign that borrower made the initials along with the corrected occupancy cert as the later dated certs reflect primary residence as well as lender attestation on errors. | 05/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834417 | xxxxxx | 33358970 | xxxxxx | 05/01/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | RTC not provided for Non-borrower vested on title and DOT. |  | Reviewer Comment (2025-05-02): Non-borrower RTC provided | 05/02/2025 |  |  | 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 B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834417 | xxxxxx | 33370515 | xxxxxx | 05/01/2025 | 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 DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-04-29): Client elects to waive |  |  | 04/29/2025 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834429 | xxxxxx | 33308666 | xxxxxx | 04/24/2025 | 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 $256.59 exceeds tolerance of $250.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fees on the Loan Estimate dated xxxxxx was $250.00; however, the final Closing Disclosure reflects $256.59 without a valid change of circumstance. |  | Reviewer Comment (2025-04-28): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. |  | 04/28/2025 |  | 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 | 834429 | xxxxxx | 33332126 | xxxxxx | 04/24/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter in file reflects a gift of $450,000, however per the wire in file, $500,000 was received. Provide the updated gift letter. |  | Reviewer Comment (2025-05-01): Received updated Gift Letter. Exception cleared.<br>Reviewer Comment (2025-04-30): The same documents were provided again that were previously provided at time of review. As previously noted, the funds being refunded at closing has no bearing on this as the initial gift wired to the title was for $500,000 from the donor prior to any funds needing to be refunded at closing/disbursement. The gift letter for $500,000 is required as this was the initial gift sent.<br>Reviewer Comment (2025-04-29): The funds being refunded at closing as no bearing on this as the initial gift wired to the title was for $500,000 prior to any funds needing to be refunded. The gift letter for $500,000 is required. | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | 33274803 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a 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 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. | Reviewer Comment (2025-04-16): Client elects to waive |  |  | 04/16/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | 33274830 | xxxxxx | 04/18/2025 | 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: 11, | Business bank statement for the month of July, 2024 is missing on file. (xxxxxx account xxxxxx) |  | Reviewer Comment (2025-04-21): July bank statement provided | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | 33274867 | xxxxxx | 04/18/2025 | 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. | Missing Business bank statement for the month of July, 2024. (xxxxxx). |  | Reviewer Comment (2025-04-21): July bank statement provided | 04/21/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | 33274868 | xxxxxx | 04/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (xxxxxx/Bank Statements) | Missing Business bank statement for the month of July, 2024. (xxxxxx). |  | Reviewer Comment (2025-04-21): July bank statement provided | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | 33274870 | xxxxxx | 04/18/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing Business bank statement for the month of July, 2024. (xxxxxx). |  | Reviewer Comment (2025-04-21): July bank statement provided | 04/21/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | 33274883 | xxxxxx | 04/18/2025 | 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 Business bank statement for the month of July, 2024. (xxxxxx). |  | Reviewer Comment (2025-04-21): July bank statement provided | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834782 | xxxxxx | 33442520 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per the Final 1003, the property located at xxxxxx reflects Pending Sale (current Primary Residence). Provide the final settlement statement verifying property was sold (must be dated at or prior to closing) or provide the executed sales contract for the property and confirmation any financing contingencies have been cleared. If property is retained, provide the updated 1003 reflecting Investment or Second Home. |  | Reviewer Comment (2025-05-22): Lender provided 1003 adding in debt. Supporting docs for TIA provided. Property is free and clear.<br>Reviewer Comment (2025-05-22): Per the Final 1003, the property located at xxxxxx reflects Pending Sale (current Primary Residence). Provide the final settlement statement verifying property was sold (must be dated at or prior to closing) or provide the executed sales contract for the property or proof of sale. Exception remains.<br>Reviewer Comment (2025-05-21): Received corrected 1003 reflecting the property located at xxxxxx as Second Home. However, the property still reflects as Pending Sale. Therefore provide corrected 1003 if property is retained. Exception remains. | 05/22/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834793 | xxxxxx | 33281952 | xxxxxx | 04/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx |  |  | Reviewer Comment (2025-04-30): Received ACH information document. Exception cleared. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834793 | xxxxxx | 33286182 | xxxxxx | 04/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, sellers, xxxxxx, and settlement agent, xxxxxx, were not included in the repoirt. |  | Reviewer Comment (2025-04-28): Received Fraud and OFAC search run on sellers, xxxxxx, and settlement agent, xxxxxx. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834793 | xxxxxx | 33293596 | xxxxxx | 04/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Based on the SSN run on the credit report, it appears the borrower is an ITIN borrower reviewed to Foreign National Guidelines. Primary Residence in the xxxxxx:<br> ▪ Copy of unexpired government photo ID (e.g., driver's license, passport), and<br> ▪ ITIN card or letter from IRS assigning the ITIN number to the borrower. Passport and VISA only provided. |  | Reviewer Comment (2025-05-14): Per client, accepting lender attestation regarding recently issued SSN and stated that they have sufficient information that the Bwr is a FN based on his Visa class type and is subject to return to his home country for 2 years after his studies end. It should be reviewed to the FN program as closed by the Lender. Condition no longer applies.<br>Reviewer Comment (2025-04-29): Per the lender attestation and SSN run provided, the borrower is not an ITIN and has limited credit. If the borrower was just issued a valid SSN and lives in the xxxxxx then they are not a FN. They are either a xxxxxx citizen, Non-Perm Resident, or Perm Resident. The provided documentation to support which is required as well as re-review to non-FN guidelines. Also, the borrower does not have 3 credit scores so would not meet the tradeline requirement either. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834793 | xxxxxx | 33293598 | xxxxxx | 04/21/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | Based on the SSN run on the credit report, it appears the borrower is an ITIN borrower reviewed to Foreign National Guidelines. ITIN borrowers who do not own a primary residence in the xxxxxx are ineligible. |  | Reviewer Comment (2025-05-14): Per client, accepting lender attestation regarding recently issued SSN and stated that they have sufficient information that the Bwr is a FN based on his Visa class type and is subject to return to his home country for 2 years after his studies end. It should be reviewed to the FN program as closed by the Lender. Condition no longer applies.<br>Reviewer Comment (2025-04-29): Per the lender attestation and SSN run provided, the borrower is not an ITIN and has limited credit. If the borrower was just issued a valid SSN and lives in the xxxxxx then they are not a FN. They are either a xxxxxx citizen, Non-Perm Resident, or Perm Resident. The provided documentation to support which is required as well as re-review to non-FN guidelines. Also, the borrower does not have 3 credit scores so would not meet the tradeline requirement either. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834793 | xxxxxx | 33293615 | xxxxxx | 04/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrower lives in the xxxxxx and is renting from a private landlord. 3 months pay history provided via bank statements. Provide an additional 3 months for 6 months total. |  | Reviewer Comment (2025-05-01): Received an additional 3 months bank statement. Exception cleared. | 05/01/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834801 | xxxxxx | 33335853 | xxxxxx | 04/29/2025 | 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 (2025-04-30): Updated HOI provided | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834801 | xxxxxx | 33335863 | xxxxxx | 04/29/2025 | 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 (2025-04-30): Updated title provided with later dated invoice reflecting coverage updated. | 04/30/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834801 | xxxxxx | 33336081 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.27604% or Final Disclosure APR of 8.31300% is equal to or greater than the threshold of APOR 6.66% + 1.5%, or 8.16000%. 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 (2025-05-02): Delivery received | 05/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834801 | xxxxxx | 33336082 | xxxxxx | 04/29/2025 | 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 | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | Reviewer Comment (2025-05-02): Delivery received | 05/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293151 | xxxxxx | 04/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA reflects address as xxxxxx vs Note reflects xxxxxx. |  | Reviewer Comment (2025-04-28): Updated CDA provided | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293170 | xxxxxx | 04/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects address as xxxxxx vs Note reflects xxxxxx. |  | Reviewer Comment (2025-04-28): Received updated Appraisal. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293191 | xxxxxx | 04/22/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter 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>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. | Reviewer Comment (2025-04-18): Client elects to waive |  |  | 04/18/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293198 | xxxxxx | 04/22/2025 | 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. (31 days old) |  | Reviewer Comment (2025-04-23): Received Credit Report - Gap. Exception cleared. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293203 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report not provided. Transaction participants must be included in the fraud report as follows: Borrowers, Property Sellers, and Settlement Agents |  | Reviewer Comment (2025-05-02): Received updated Fraud Report. Fraud & OFAC search run on Seller, xxxxxx. Also the red flags related issue has been Cleared and addressed on page 5. Exception cleared.<br>Reviewer Comment (2025-04-30): Received Full Fraud report, there are red flags that are not addressed. Also, Fraud and OFAC is missing for seller, xxxxxx. Exception remains. | 05/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293216 | xxxxxx | 04/22/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Any VOR completed by a private party, or any non-institutional landlord must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc.). Per LOX, borrower is paying rent in cash, that is not allowed. | 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>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. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors |  |  | 04/28/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293314 | xxxxxx | 04/22/2025 | 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 $635,574.25 is over disclosed by $1,752.50 compared to the calculated Amount Financed of $633,821.75 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 $635,574.25, however calculated Amount Financed is $633,821.75. Variance of $1,752.50. |  | Reviewer Comment (2025-05-08): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-05-05): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the FedEx Tracking does not reflect the cure package has been picked up by carrier. Provide proof when package picked up by carrier.<br>Reviewer Comment (2025-04-24): Finance Charge should include: Commitment Fee - $695, Origination - $6500, Interest - $3365.75, Processing Fee - $995, Title - Courier - $75, Title - E-doc fee - $25, Title - Loan Tie in - $195, Title - Settlement/Escrow - $2625, Title - Sub Escrow - $62.50, Title - Wire - $90, Underwriting Fee - $1550. |  | 05/08/2025 |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | 33293315 | xxxxxx | 04/22/2025 | 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 $1,061,089.19 is under disclosed by $1,752.50 compared to the calculated Finance Charge of $1,062,841.69 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 $1,061,089.19, however calculated Finance Charge is $1,062,841.69. Variance of $1,752.50. |  | Reviewer Comment (2025-05-08): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-05-05): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the FedEx Tracking does not reflect the cure package has been picked up by carrier. Provide proof when package picked up by carrier.<br>Reviewer Comment (2025-04-24): Finance Charge should include: Commitment Fee - $695, Origination - $6500, Interest - $3365.75, Processing Fee - $995, Title - Courier - $75, Title - E-doc fee - $25, Title - Loan Tie in - $195, Title - Settlement/Escrow - $2625, Title - Sub Escrow - $62.50, Title - Wire - $90, Underwriting Fee - $1550. |  | 05/08/2025 |  | 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 if Applicable B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834868 | xxxxxx | 33364127 | xxxxxx | 05/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Borrower was on Maternity Leave and no deposits during 4 months from xxxxxx To xxxxxx . | 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 (2025-04-30): Client elects to waive with verified compensation factors |  |  | 04/30/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834868 | xxxxxx | 33364154 | xxxxxx | 05/02/2025 | 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 xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx did not disclose the required Lender xxxxxx ID Information. |  | Reviewer Comment (2025-05-08): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-05-06): SitusAMC received Corrected CD. Missing copy of LOE to borrower for cure. |  | 05/08/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438783 | xxxxxx | 05/14/2025 | 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): Mandatory escrow account not established on 1st lien mortgage loan. | Escrow waiver not allowed on HPML loans |  | Reviewer Comment (2025-05-22): Rate lock, rate lock date, and locked rate was provided. Upon retesting, loan no longer is deemed an HPML loan.<br>Reviewer Comment (2025-05-21): As previously stated, the LOE nor comments are acceptable. 1) xxxxxx report was not provided 2) There is no evidence of rate lock date or locked rate to further test.<br>Reviewer Comment (2025-05-16): The LOE is not acceptable. 1) xxxxxx report was not provided 2) There is no evidence of rate lock date or locked rate to further test. | 05/22/2025 |  |  | 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 | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438784 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.15741% or Final Disclosure APR of 8.16100% is equal to or greater than the threshold of APOR 6.62% + 1.5%, or 8.12000%. Non-Compliant Higher Priced Mortgage Loan. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure or Initial LE with disclosure verbiage & escrows were not established on an HPML loan. |  | Reviewer Comment (2025-05-22): Rate lock, rate lock date, and locked rate was provided. Upon retesting, loan no longer is deemed an HPML loan.<br>Reviewer Comment (2025-05-21): As previously stated, the LOE nor comments are acceptable. 1) xxxxxx report was not provided 2) There is no evidence of rate lock date or locked rate to further test.<br>Reviewer Comment (2025-05-16): The LOE is not acceptable. 1) xxxxxx report was not provided 2) There is no evidence of rate lock date or locked rate to further test. | 05/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438785 | xxxxxx | 05/14/2025 | 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 (2025-05-22): Rate lock provided | 05/22/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438789 | xxxxxx | 05/14/2025 | 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. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure or Initial LE with disclosure verbiage. |  | Reviewer Comment (2025-05-19): Initial LE provided with verbiage | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438790 | xxxxxx | 05/14/2025 | 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 (2025-05-19): SitusAMC received CD dated xxxxxx | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438791 | xxxxxx | 05/14/2025 | 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 $12,922.80 may be required. | Loan estimate is missing in the file. |  | Reviewer Comment (2025-05-19): SitusAMC received LE. | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438794 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-05-15): Received Approval document. Exception cleared. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33438796 | xxxxxx | 05/14/2025 | 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 (2025-05-19): Received Undisclosed Debt Monitoring (UDM) report. Exception cleared. | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | 33479537 | xxxxxx | 05/19/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-20): E-consent provided | 05/20/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834885 | xxxxxx | 33410739 | xxxxxx | 05/09/2025 | 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 (2025-05-06): Client elects to waive |  |  | 05/06/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834908 | xxxxxx | 33288545 | xxxxxx | 04/22/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HO6 missing ISAOA |  | Reviewer Comment (2025-04-24): Updated HO6 provided | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834908 | xxxxxx | 33288569 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report not provided. Must be run on all participants. |  | Reviewer Comment (2025-04-28): Received Fraud and OFAC search run on settlement agent. Excepiton cleared.<br>Reviewer Comment (2025-04-24): Received full Fraud Report. Fraud and OFAC run on the settlement agent. Exception remains. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834924 | xxxxxx | 33286801 | xxxxxx | 04/18/2025 | 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 (2025-05-13): Later dated title provided with updated amount<br>Reviewer Comment (2025-05-01): The incorrect and correct title policy are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title for updates) | 05/13/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834924 | xxxxxx | 33286813 | xxxxxx | 04/18/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  | Reviewer Comment (2025-04-30): Received E-sign Consent Agreement. Excedption cleared. | 04/30/2025 |  |  | 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 | 834924 | xxxxxx | 33286933 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-06): Received OFAC/GSA/LDP/HUD searches for settlement agent. Exception cleared. | 05/06/2025 |  |  | 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 | 834925 | xxxxxx | 33319110 | xxxxxx | 04/24/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  | Reviewer Comment (2025-04-28): Received E-Sign Consent Agreement. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834925 | xxxxxx | 33319266 | xxxxxx | 04/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.78 is less than Guideline PITIA months reserves of 6.00. | Loan closed xxxxxx . Assets can only be used up until loan closing which in account xxxxxx is xxxxxx. (Program is 6 months. Payment is not decreasing by 10% or more on xxxxxx |  | Reviewer Comment (2025-04-29): Additional asset statement provided. Per guidelines, life can be utilized for cash surrender value for assets. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834925 | xxxxxx | 33319308 | xxxxxx | 04/24/2025 | 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 (2025-04-29): Additional asset statement provided. Per guidelines, life can be utilized for cash surrender value for assets. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834925 | xxxxxx | 33323270 | xxxxxx | 04/24/2025 | 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 (2025-04-29): Additional asset statement provided. Per guidelines, life can be utilized for cash surrender value for assets. | 04/29/2025 |  |  | 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 | 834925 | xxxxxx | 33333085 | xxxxxx | 04/24/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | The borrower does not meet the minimum 12 months reserves for an escrow waiver. Borrower has 8.24 months 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. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors |  |  | 05/05/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834981 | xxxxxx | 33185975 | xxxxxx | 04/09/2025 | 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 (2025-04-14): Received CDA. Exception cleared. | 04/14/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834981 | xxxxxx | 33189995 | xxxxxx | 04/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM required for borrower(s) that are homeowners, and when mortgage payment history is not reflected on the credit report (Subject property)<br> • Other acceptable mortgage payment proof in lieu of VOM (must clearly indicate no mortgage lates):<br> o 12 months cancel checks, ACH payment, bank transfer/wire, electronic payment<br> o 12 months mortgage statements for the review period<br> o 12 months loan payment history from the creditor/servicer + proof of borrower's payment for the most recent 6 months | 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 (2025-05-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-01): Received Credit supplement. However, guidelines does not state that Credit Supplement can be considered for housing history. Per guidelines, the following documents can be consider for housing history: 12 months cancel checks, ACH payment, bank transfer/wire, electronic payment 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. Also, please note that current mortgage only covers 5 months of housing history. Also provide document to verify housing history for the mortgage lien in amount of xxxxxx dated xxxxxx for the subject property. Exception remains.<br>Reviewer Comment (2025-04-11): Received VOR and cancelled checks are for borrower's primary residence, However the document is requested is for subject property. Please provide the document requested on the original condition. Exception remains. |  |  | 05/06/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834981 | xxxxxx | 33207358 | xxxxxx | 04/09/2025 | 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 (2025-04-14): Received Fraud Report and GSA. Exception cleared.<br>Reviewer Comment (2025-04-11): Received updated Fraud Report, fraud and OFAC search run on the settlement agent. However there are new red alerts that was not addressed. Kindly provide a clearance LOE, clearance report, cleared fraud report. Exception remains. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834981 | xxxxxx | 33207529 | xxxxxx | 04/09/2025 | 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 subject property may not have been listed For Sale in the last 6 months prior to the application date. Listing withdrawn 1.29.2025. | 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 (2025-05-06): Client elects to waive with verified compensation factors |  |  | 05/06/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344123 | xxxxxx | 04/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Ownership Percentage of Business | Provide evidence of ownership and ownership % in xxxxxx listed on the 1099. | 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 (2025-05-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-15): The CPA letter is dated post-close and not acceptable. |  |  | 05/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344230 | xxxxxx | 04/30/2025 | 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 $1,380.95 does not match Calculated P&I of $2,761.90 | Note reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344273 | xxxxxx | 04/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1099 income is paid to an LLC vs. the individual borrower which is not allowed 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>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 (2025-05-15): Client elects to waive with verified compensation factors |  |  | 05/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344548 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.75015% or Final Disclosure APR of 7.91700% is equal to or greater than the threshold of APOR 6.23% + 1.5%, or 7.73000%. Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344549 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $1,380.95 does not match calculated P&I of $2,761.90. Note P&I was used for the APR calculation and compliance testing. | Note reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344551 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR result is Understated DTI | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not adhere with ATR payment calculation methods under 1026.43(c)(5), the method rendered a DTI less than that prescribed under ATR. | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344554 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 7.91700% on Final Closing Disclosure provided on xxxxxx is over-disclosed from the calculated APR of 7.75015% outside of 0.125% tolerance. (Final xxxxxx) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 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 equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344555 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Balloon Payment Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains a Balloon Payment. (Final xxxxxx) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 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 if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344556 | xxxxxx | 04/30/2025 | 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 $615,570.07 is under disclosed by $586,885.58 compared to the calculated Finance Charge of $1,202,455.65 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 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 if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344557 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xxxxxx disclosed a Loan Term that does not match the actual loan term for the loan. (Final xxxxxx) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 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 if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344558 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final xxxxxx) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 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 if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344559 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Feature Test | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xxxxxx did not disclose a Product Feature for a loan that contains a product feature. (Final xxxxxx) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344560 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2773489) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 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 if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344561 | xxxxxx | 04/30/2025 | 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 $1,013,442.07 is under disclosed by $586,885.58 compared to the calculated total of payments of $1,600,327.65 which exceeds the $100.00 threshold. (Final xxxxxx) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-14): SitusAMC received modified note, security instrument, Rider and LOE to borrower on modified documents regarding the corrected maturity date.<br>Reviewer Comment (2025-05-13): SitusAMC received copy of Modified note, Allonge to Note, copy of Modified Security Instrument & Rider, First payment letter & copy of consumer's ID's. County recorder reflects that the original Security instrument was recorded of record. We are missing a copy of the LOE or Notice to borrower of the error and that corrected Note indicating that prior note reflecting xxxxxx maturity date was incorrect and that New Note effectively voids the prior Note. Additionally, will need confirmation of recording of the new Security Instrument, as county recorder reflects old note. | 05/14/2025 |  |  | 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 equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344671 | xxxxxx | 04/30/2025 | 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. | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33344672 | xxxxxx | 04/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Non QM DTI significantly exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 1,382.45% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33345394 | xxxxxx | 04/30/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33368082 | xxxxxx | 04/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Term discrepancy. | Note term of 277 does not match Guideline term of 360. | Note and DOT reflects Maturity Date as xxxxxx , with monthly payment beginning on xxxxxx and paid every month. Amortization Schedule reflects the term as bi-weekly with last payment date as xxxxxx . Final CD reflects loan term as 30 years. Note reflects P&I of $1,308.95, Amortization Schedule reflects $1,308.95 by-weekly payment. |  | Reviewer Comment (2025-05-13): Received corrected and executed updated package with updated maturity date and payments that match the Final CD. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | 33446966 | xxxxxx | 05/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received corrected Note and DOT + Riders with updated maturity date and payments post review. Provide LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-05-13): Received LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. | 05/13/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | D B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 834984 | xxxxxx | 33368907 | xxxxxx | 05/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of the seller, xxxxxx and xxxxxx. |  | Reviewer Comment (2025-05-15): Received Fraud and OFAC searches run on authorized signor of the seller, xxxxxx and xxxxxx. Exception Cleared. | 05/15/2025 |  |  | 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 | 835116 | xxxxxx | 33353594 | xxxxxx | 05/01/2025 | 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 (2025-05-06): Email from title provided with updates<br>Reviewer Comment (2025-05-05): Both the incorrect and correct title policies are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates). | 05/06/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835116 | xxxxxx | 33353646 | xxxxxx | 05/01/2025 | 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 $739.63. | POCB paid invoices not provided |  | Reviewer Comment (2025-05-06): POCB paid invoices provided<br>Reviewer Comment (2025-05-05): The same documents were provided that were in file at time of review. The loan is short cash to close which is due to the paid invoice for the POCB not being provided. | 05/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835116 | xxxxxx | 33353666 | xxxxxx | 05/01/2025 | 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 $4,752.00 exceeds tolerance of $4,714.00. Insufficient or no cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,752.00 exceeds tolerance of $4,714.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-12): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-05-06): SitusAMC received LE and COC dated xxxxxx , but it does not give sufficient information on why the transfer tax 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. |  | 05/12/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Second Home | 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 | 835116 | xxxxxx | 33354365 | xxxxxx | 05/01/2025 | 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) | CD shows Other: Flood Insurance. |  | Reviewer Comment (2025-04-29): Client elects to waive |  |  | 04/29/2025 | 2 B | B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | Good Faith Redisclosure D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835116 | xxxxxx | 33370090 | xxxxxx | 05/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide all pages of Leasehold Agreement. Only 6 of 34 pages provided. |  | Reviewer Comment (2025-05-12): Received all pages of Leasehold Agreement. Exception cleared. | 05/12/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835131 | xxxxxx | 33241965 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-18): Received updated Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835167 | xxxxxx | 33402737 | xxxxxx | 05/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-05-15): Received Credit refresh Report dated xxxxxx . Exception cleared. | 05/15/2025 |  |  | 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 | 835167 | xxxxxx | 33403234 | xxxxxx | 05/08/2025 | 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 - Wire /Funding/ Disbursement Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75206) | Title - Wire /Funding/ Disbursement Fee was not disclosed on the Loan Estimate, but was disclosed as $25.00 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 $25.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-05-15): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check. |  | 05/15/2025 |  | 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 | 835195 | xxxxxx | 33362682 | xxxxxx | 05/02/2025 | 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 (2025-05-05): FTP provided | 05/05/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835195 | xxxxxx | 33362683 | xxxxxx | 05/02/2025 | 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 (2025-05-05): FTP provided | 05/05/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835195 | xxxxxx | 33386695 | xxxxxx | 05/02/2025 | 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 $-185.25. Insufficient or no cure was provided to the borrower. (9300) | Valid COC nor cure provided |  | Reviewer Comment (2025-05-27): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-06): SitusAMC received LOE and rate lock showing pricing hit due to property type. As per the 1073 received on xxxxxx the new information for property type can identified but the rate was updated on xxxxxx which is beyond 3 business days from the date of receipt of new information to lender. Please provide more information regarding the timeline or need cure docs. |  | 05/27/2025 |  | 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 | 835195 | xxxxxx | 33386696 | xxxxxx | 05/02/2025 | 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 Loan Discount Points. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | COC reflects loan amount reduction however reducing the loan amount would not add points. |  | Reviewer Comment (2025-05-27): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-06): SitusAMC received LOE and rate lock showing pricing hit due to property type. As per the 1073 received on xxxxxx the new information for property type can identified but the rate was updated on xxxxxx which is beyond 3 business days from the date of receipt of new information to lender. Please provide more information regarding the timeline or need cure docs. |  | 05/27/2025 |  | 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 | 835223 | xxxxxx | 33318364 | xxxxxx | 04/28/2025 | 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 (2025-05-02): SitusAMC received consent dated xxxxxx | 05/02/2025 |  |  | 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 | 835223 | xxxxxx | 33318365 | xxxxxx | 04/28/2025 | 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 Collateral Desktop Analysis. Fee Amount of $45.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $45.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-04-21): Sufficient Cure Provided At Closing |  | 04/21/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835223 | xxxxxx | 33318366 | xxxxxx | 04/28/2025 | 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 Collateral Desktop Analysis paid to AMC. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis paid to AMC. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-04-21): Sufficient Cure Provided At Closing |  | 04/21/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835223 | xxxxxx | 33323514 | xxxxxx | 04/28/2025 | 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 Title - Endorsement Fee. Fee Amount of $1,526.10 exceeds tolerance of $1,217.00. Sufficient or excess cure was provided to the borrower at Closing. (7564) |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | 04/22/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835223 | xxxxxx | 33323515 | xxxxxx | 04/28/2025 | 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 Title - Lender's Title Insurance. Fee Amount of $4,837.00 exceeds tolerance of $3,889.00. Sufficient or excess cure was provided to the borrower at Closing. (7567) |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | 04/22/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33280479 | xxxxxx | 04/18/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-22): Received E-Sign Consent Agreement. Exception cleared. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33280489 | xxxxxx | 04/18/2025 | 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 in file is dated > 10 days prior to closing. Per guidelines, provide a VVOE dated within 10 days prior to closing or a paystub stated within 30 days prior to closing. |  | Reviewer Comment (2025-04-22): Received Work Number dated within 10 days prior to closing. Exception cleared. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33280490 | xxxxxx | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report not provided. Must contain all participants. |  | Reviewer Comment (2025-04-22): Received Full Fraud Report. Fraud and OFAC run on all parties to the transaction. Exception cleared. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33281372 | xxxxxx | 04/18/2025 | 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 (2025-04-25): Received Undisclosed Debt Monitoring (UDM) report. Exception cleared. | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33291179 | xxxxxx | 04/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.98215% exceeds Guideline total debt ratio of 43.00000%. | Per 2.5.5 Housing History, bullet point 6, residing rent free allowed with the following restrictions: 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 (2025-05-05): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): Received Source of funds in amount of $30,000. However DTI is 43.982%. Per guidelines, DTI may not exceed 43%. Exception remains. |  |  | 05/05/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33291181 | xxxxxx | 04/18/2025 | 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. | Per 2.5.5 Housing History, bullet point 6, residing rent free allowed with the following restrictions: 43% DTI. |  | Reviewer Comment (2025-05-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-05-02): DTI was updated but is still > 43%.<br>Reviewer Comment (2025-04-28): The lender provided an updated income worksheet adding in a $30,000 unsourced deposit from xxxxxx . Inconsistent or large deposits should be sourced or excluded from the analysis. The definition of an inconsistent or large deposit is any deposit exceeding 50% of the average monthly sales of the business which is $26,338.37. | 05/05/2025 |  |  | 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 | 835225 | xxxxxx | 33291182 | xxxxxx | 04/18/2025 | 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 2.5.5 Housing History, bullet point 6, residing rent free allowed with the following restrictions: 43% DTI. |  | Reviewer Comment (2025-05-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-05-02): DTI was updated but is still > 43%.<br>Reviewer Comment (2025-04-28): The lender provided an updated income worksheet adding in a $30,000 unsourced deposit from xxxxxx . Inconsistent or large deposits should be sourced or excluded from the analysis. The definition of an inconsistent or large deposit is any deposit exceeding 50% of the average monthly sales of the business which is $26,338.37. | 05/05/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33291183 | xxxxxx | 04/18/2025 | 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 48.23766% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per 2.5.5 Housing History, bullet point 6, residing rent free allowed with the following restrictions: 43% DTI. |  | Reviewer Comment (2025-05-02): Source of large deposit provided for $30,000. See new updated condition for DTI.<br>Reviewer Comment (2025-04-28): The lender provided an updated income worksheet adding in a $30,000 unsourced deposit from xxxxxx . Inconsistent or large deposits should be sourced or excluded from the analysis. The definition of an inconsistent or large deposit is any deposit exceeding 50% of the average monthly sales of the business which is $26,338.37. | 05/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | 33401085 | xxxxxx | 05/02/2025 | 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 43.98215% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating 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>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 (2025-05-05): Client elects to waive with verified compensation factors |  |  | 05/05/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835231 | xxxxxx | 33369156 | xxxxxx | 05/05/2025 | 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 | Final CD not showing seller CD fees. Also Seller CD is missing on file. |  | Reviewer Comment (2025-05-07): SitusAMC received Seller CD. | 05/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835231 | xxxxxx | 33369814 | xxxxxx | 05/05/2025 | 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 - Notary Fee | Final CD shows Notary Fee paid to TBD. |  | Reviewer Comment (2025-05-01): Client elects to waive |  |  | 05/01/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835231 | xxxxxx | 33391621 | xxxxxx | 05/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The xxxxxx Deferral was not completed greater than 12 months for xxxxxx. Based on the comments on the supplement, this was due to the FEMA xxxxxx disaster which was just declared xxxxxx . | 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 (2025-05-12): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-07): The guidelines do not differentiate requirements for deferrals due to disaster. Credit supplement references a deferral. If the deferral was removed on xxxxxx based on lender comments on xxxxxx regardless of timely payments, then the deferral was completed < 12 months ago and would require an investor exception.<br>Reviewer Comment (2025-05-07): The deferral agreement is required to determine date of deferral to see if it was completed > 12 months. |  |  | 05/12/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835267 | xxxxxx | 33230168 | xxxxxx | 04/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects a unit number vs. the Note which does not | 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 (2025-04-28): Client elects to waive with verified compensation factors |  |  | 04/28/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835267 | xxxxxx | 33249167 | xxxxxx | 04/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Rental income used to qualify. Per guidelines, tax returns must be signed and dated by the borrower. | 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 (2025-04-24): Client elects to waive with verified compensation factors |  |  | 04/24/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835267 | xxxxxx | 33249248 | xxxxxx | 04/16/2025 | 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. | Final 1003, dec page, reflects intent to occupy. Provide the corrected 1003 and lender attestation on error. |  | Reviewer Comment (2025-04-25): An updated 1003 was provided along with three signed forms at closing, all of which reflect this is an investment property. | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835311 | xxxxxx | 33308730 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-05): Received updated Fraud Report. Fraud and OFAC run on the settlement agent. Exception cleared.<br>Reviewer Comment (2025-04-30): Received OFAC search for settlement agent. Provide HUD/LDP or updated fraud report. Exception remains. | 05/05/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835326 | xxxxxx | 33303672 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Wire Ticket to Settlement Agent. |  | Reviewer Comment (2025-04-25): Received Wire Trade to Settlement Agent. Exception cleared. | 04/25/2025 |  |  | 1 C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835326 | xxxxxx | 33303749 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent and property sellers. |  | Reviewer Comment (2025-04-29): Received OFAC SDN name searches run on Seller Entity xxxxxx and Settlement Agent xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-28): Received OFAC search for seller. Provide updated Fraud Report or HUD/GSA/LDP search for seller. Also provide Fraud and OFAC search for settlement agent, xxxxxx. Exception remains. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835326 | xxxxxx | 33313950 | xxxxxx | 04/23/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the background and credit authorization. |  | Reviewer Comment (2025-04-25): Received Background & Credit Authorization. Exception cleared. | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835326 | xxxxxx | 33313985 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The HOI policy does not reflect if xxxxxx and xxxxxx coverage is included which is required per guidelines. |  | Reviewer Comment (2025-04-29): Received email from insurance xxxxxx and xxxxxx coverage is included in the policy. Exception cleared. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835429 | xxxxxx | 33405078 | xxxxxx | 05/08/2025 | 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. | Fess paid to Broker in sections A and B on the Final CD. |  | Reviewer Comment (2025-05-19): Final SS and PCCD reflect Processing Fee paid to Third Party.<br>Reviewer Comment (2025-05-14): PC-CD and invoice provided. Provide the final stamped settlement statement to support correct party was paid. | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835429 | xxxxxx | 33409219 | xxxxxx | 05/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed from xxxxxx vested on title to the borrower and non-borrower only. Must be dated at or prior to closing. |  | Reviewer Comment (2025-05-27): Received recorded Deed. Exception cleared.<br>Reviewer Comment (2025-05-20): Received is recorded DOT. However, the document requested is for recorded grant deed. Exception remains.<br>Reviewer Comment (2025-05-15): Received grant deed is not recorded. Provide recorded grant deed. Exception remains. | 05/27/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | 33442165 | xxxxxx | 05/15/2025 | 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 (2025-05-21): Received gap credit report. Exception cleared. | 05/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | 33442183 | xxxxxx | 05/15/2025 | 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 (2025-05-26): Revision title 5 provided with updated amount | 05/26/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | 33442247 | xxxxxx | 05/15/2025 | 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 $-6,330.39 exceeds tolerance of $-7,186.00. Insufficient or no cure was provided to the borrower. (9300) | Lender credit was shown as -$7,186.00 on the LE but reduced to -$6,330.39 on the final CD. No valid COC or cure was provided. Tolerance violation of $855.61. |  | Reviewer Comment (2025-05-22): SitusAMC received valid COC dated xxxxxx | 05/22/2025 |  |  | 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 | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | 33442634 | xxxxxx | 05/15/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  | 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 refinance has decreased the borrower's monthly debt payments by 24% or $5,898.96.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | 33449442 | xxxxxx | 05/15/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects the old lien holder |  | Reviewer Comment (2025-05-19): Updated HOI provided | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835435 | xxxxxx | 33231488 | xxxxxx | 04/16/2025 | 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. | The file is missing Rate Lock document. |  | Reviewer Comment (2025-04-15): Client elects to waive |  |  | 04/15/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835435 | xxxxxx | 33277173 | xxxxxx | 04/16/2025 | 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 (2025-04-17): Received Fraud and OFAC search run on Seller xxxxxx. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835435 | xxxxxx | 33277264 | xxxxxx | 04/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | REO properties: xxxxxx and xxxxxx The property profile report reflects mortgage liens are also in the borrower's name. Mortgage Statements reflect non-borrower only, however mortgage statements do not always reflect all borrower's. Provide the Notes for these properties to support borrower is not obligated to the liens. |  | Reviewer Comment (2025-04-30): Received REO documents. Exception cleared.<br>Reviewer Comment (2025-04-29): Received Note for xxxxxx, to verify borrower is not liable for mortgage. Received mortgage statement for property located at xxxxxx, however, the document requested is for Note for property located at xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-18): Housing history is required for the property located at xxxxxx, since the mortgage does not appear on credit report, therefore provide VOM or Other acceptable mortgage payment proof in lieu of VOM; 12 months cancel checks, ACH payment, bank transfer/wire, electronic payment 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 or Note to verify borrower is not obligated to mortgage lien. The property located at xxxxxx appears on borrower's credit report. Exception remains. | 04/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835435 | xxxxxx | 33277446 | xxxxxx | 04/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA license | Provide the verification of CPA license. |  | Reviewer Comment (2025-04-17): Received CPA license. Exception cleared. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835436 | xxxxxx | 33247939 | xxxxxx | 04/16/2025 | 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, and authorized signor for seller, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-04-18): Received updated Fraud Report and GSA Services. Exception cleared. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835440 | xxxxxx | 33231734 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-21): Received Fraud and OFAC searches not run on settlement agent, xxxxxx and clearance report. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835440 | xxxxxx | 33231745 | xxxxxx | 04/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxxxx overlay: Policy must reflect 100% replacement cost coverage or similar verbiage. | 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. | Reviewer Comment (2025-04-28): Client elects to waive with verified compensation factors.<br> $xxxxxx x 80% is $xxxxxx. The site value $xxxxxx + HOI Coverage $380k is more than the loan Amount.<br>Reviewer Comment (2025-04-28): The loan was reviewed to Verus DSCR which does not follow xxxxxx for insurance requirements. They xxxxxx overlays must be met with the agent confirming policy covers 100% replacement cost or the replacement cost or similar verbiage on the policy itself. Currently the dwelling coverage does not cover the loan amount nor the estimated cost new and the replacement cost estimator was not provided.<br>Reviewer Comment (2025-04-17): Loan was not reviewed to xxxxxx guidelines but investor guidelines. Also, please review the original exception. An RCE is not being requested. The xxxxxx overlays for investor reflects the policy must reflect 100% replacement cost or similar verbiage. |  |  | 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 | 835444 | xxxxxx | 33245127 | xxxxxx | 04/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.88759% exceeds Guideline total debt ratio of 50.00000%. | Per the 1008, it appears the lender did not include the departure residence taxes and insurance into the ratios. | 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 (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): The income documentation provided for rental income is all dated post close and not acceptable. Lease date is post close and deposits are post close. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835444 | xxxxxx | 33245133 | xxxxxx | 04/17/2025 | 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 (2025-04-15): Client elects to waive |  |  | 04/15/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835444 | xxxxxx | 33245134 | xxxxxx | 04/17/2025 | 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. | Statement ending for account #2908 is dated xxxxxx . Non-borrower donor account provided dated xxxxxx which reflects borrower wired $99,000 to this individuals account. $99,000 excluded since the wire was post-statement. |  | Reviewer Comment (2025-05-14): Loan designation updated to Non-QM. Condition no longer applies. | 05/14/2025 |  |  | 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 | 835444 | xxxxxx | 33245135 | xxxxxx | 04/17/2025 | 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 50.88759% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Per the 1008, it appears the lender did not include the departure residence taxes and insurance into the ratios. | 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 (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-02): The income documentation provided for rental income is all dated post close and not acceptable. Lease date is post close and deposits are post close. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835444 | xxxxxx | 33245142 | xxxxxx | 04/17/2025 | 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. | Statement ending for account #2908 is dated xxxxxx . Non-borrower donor account provided dated xxxxxx which reflects borrower wired $99,000 to this individuals account. $99,000 excluded since the wire was post-statement. |  | Reviewer Comment (2025-05-14): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-05-05): xxxxxx xxxxxx is not the borrower's account. Is the gift donor's account. Guidelines do not allow the use of non-borrower accounts.<br>Reviewer Comment (2025-05-02): The condition cannot be cleared as the borrower is short reserves. Cash to close is calculated as funds to close + EMD + POCB Fees + any adjustments/gifts/1031 on the Final CD. xxxxxx has $200.95, Gift funds total $259,708.86. The EMD was backed out as it is one of the gifts ($35000). Verified assets $259,909.81. Per the Final CD, the borrower needed $255,642.04 total cash to close. $259,909.81-$255,642.04=$4,267.77 remaining reserves or 0.56 months. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835444 | xxxxxx | 33247968 | xxxxxx | 04/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.56 is less than Guideline PITIA months reserves of 4.00. | Statement ending for account #2908 is dated xxxxxx . Non-borrower donor account provided dated xxxxxx which reflects borrower wired $99,000 to this individuals account. $99,000 excluded since the wire was post-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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-05): xxxxxx xxxxxx is not the borrower's account. Is the gift donor's account. Guidelines do not allow the use of non-borrower accounts.<br>Reviewer Comment (2025-05-02): The condition cannot be cleared as the borrower is short reserves. Cash to close is calculated as funds to close + EMD + POCB Fees + any adjustments/gifts/1031 on the Final CD. xxxxxx has $200.95, Gift funds total $259,708.86. The EMD was backed out as it is one of the gifts ($35000). Verified assets $259,909.81. Per the Final CD, the borrower needed $255,642.04 total cash to close. $259,909.81-$255,642.04=$4,267.77 remaining reserves or 0.56 months. |  |  | 05/14/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835444 | xxxxxx | 33248005 | xxxxxx | 04/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Citizenship discrepancy. 1003 reflects xxxxxx. Per the LOE in file, the borrower utilized their supervisor's address when they newly arrived in the xxxxxx. In addition, the patriot act reviewed a driver's license that was issued for 15 months only. Possible borrower is a Perm Resident or Non-Perm Resident. Provide evidence borrower is a xxxxxx (xxxxxx passport). A SS card will not clear this condition as both Perm and Non-Perm residents can obtain one. |  | Reviewer Comment (2025-04-29): xxxxxx passport card provided. Borrower is a xxxxxx. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835455 | xxxxxx | 33194094 | xxxxxx | 04/10/2025 | 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 (2025-04-15): Received Title Supplement. Exception cleared. | 04/15/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835473 | xxxxxx | 33210960 | xxxxxx | 04/11/2025 | 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 Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The Appraisal Re-Inspection Fee was not disclosed on Initial Loan Estimate and was later disclosed on the revised Loan Estimate dated xxxxxx as $200.00. No valid COC was provided for this change, nor evidence of cure. |  | Reviewer Comment (2025-05-02): SitusAMC received a valid COC.<br>Reviewer Comment (2025-04-18): SitusAMC received COC dated xxxxxx indicates that "Final inspection fee added due to appraisal coming back subject to xxxxxx". But appraisal report with provided disclosure completed with "As Is" status and was not completed with subject to xxxxxx. If there was an additional reason the fee was added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. | 05/02/2025 |  |  | 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 |
| xxxxxx | 835473 | xxxxxx | 33210961 | xxxxxx | 04/11/2025 | 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 Credit Report Fee. Fee Amount of $318.80 exceeds tolerance of $265.00. Insufficient or no cure was provided to the borrower. (7520) | Evidence of Cure in the amount of $53.80 is provided on Final Closing Disclosure. |  | Reviewer Comment (2025-04-18): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 04/18/2025 |  |  | 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 A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835473 | xxxxxx | 33211119 | xxxxxx | 04/11/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-04-17): Received E-Sign Consent Agreement. Exception cleared. | 04/17/2025 |  |  | 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 | 835473 | xxxxxx | 33219222 | xxxxxx | 04/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Third-party VOR is required for any file when the borrower is currently renting. Lender provided a credit supplement. |  | Reviewer Comment (2025-04-28): Received credit supplements verifying verifier of information, both which are property management companies. Per client email, a xxxxxx VOR form is not required and other forms of third party documents can be provided.<br>Reviewer Comment (2025-04-28): An email was sent to the investor already to confirm if they are accepting the supplement. Assigned to investor to confirm for clearance.<br>Reviewer Comment (2025-04-16): The documents provided do not clear this condition. A VOR form is required. | 04/28/2025 |  |  | 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 | 835473 | xxxxxx | 33399791 | xxxxxx | 05/02/2025 | 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 $318.80 exceeds tolerance of $265.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835476 | xxxxxx | 33438409 | xxxxxx | 05/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. | 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 (2025-05-29): Client elects to waive with verified compensation factors.<br> Per the client, the appraised value is xxxxxx, and the land value is xxxxxx; subtract them, and xxxxxx is required. Even the RCE minus the land value is acceptable.<br>Reviewer Comment (2025-05-26): Assigned to investor. Lender would like to waive.<br>Reviewer Comment (2025-05-26): All exceptions must come from the investor.<br>Reviewer Comment (2025-05-22): The condition cannot be cleared. The screen shot of the 1 page provided is not the guidelines the investor provided us to review the loan too. Loan was reviewed to xxxxxx, however these sections are not within the guidelines provided. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-05-21): xxxxxx xxxxxx RCE is not acceptable per guidelines. Per guidelines, 100% of the insurable value of the improvements as established by the insurer or coverage amounts as determined by xxxxxx's calculation from a full appraisal. The insurer RCE was not provided and xxxxxx RCE reflects coverage is insufficient.<br>Reviewer Comment (2025-05-19): Per the xxxxxx RCE provided, it says the minimum required coverage is $xxxxxx. The coverage on the HOI is $xxxxxx. Other structures are not included as it is not part of the GLA. The xxxxxx RCE form even states only included if part of the GLA. Other structures coverage protects structures that are separate from your main dwelling, like xxxxxx, or xxxxxx. Unless otherwise can be proven. |  |  | 05/29/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835490 | xxxxxx | 33312162 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-04-25): The Final Closing Statement was provided. | 04/25/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835490 | xxxxxx | 33312163 | xxxxxx | 04/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Investor exception in file. | 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 (2025-04-22): Client elects to waive with verified compensation factors |  |  | 04/22/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835502 | xxxxxx | 33294439 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception- Allow 1099's in business name for qualifying. | 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 (2025-04-20): Client elects to waive with verified compensation factors |  |  | 04/20/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835502 | xxxxxx | 33294907 | xxxxxx | 04/22/2025 | 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 (2025-04-20): Client elects to waive |  |  | 04/20/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835502 | xxxxxx | 33294909 | xxxxxx | 04/22/2025 | 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 Discount Points. Fee Amount of $1,094.04 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,094.04 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-04-25): Situsamc Received Valid COC dated xxxxxx . | 04/25/2025 |  |  | 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 | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835502 | xxxxxx | 33294910 | xxxxxx | 04/22/2025 | 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 Processing Fee. Fee Amount of $695.00 exceeds tolerance of $595.00. Insufficient or no cure was provided to the borrower. (7548) | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $695.00 exceeds tolerance of $595.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-05-01): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-04-25): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Processing fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason 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. |  | 05/01/2025 |  | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835529 | xxxxxx | 33335696 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing verification of mortgage for subject property. History provided covers 10 months and 12 are required. |  | Reviewer Comment (2025-04-16): clear. The Property was new construction prior so 10 months were available | 04/16/2025 |  |  | 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 | 835529 | xxxxxx | 33335697 | xxxxxx | 04/10/2025 | 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 | Borrower must confirm in writing the reason for prior listing, as well as proof that is was taken off the market. |  | Reviewer Comment (2025-04-22): clear. Evidence the listing was removed and an LOE from the borrower is what the guidelines require, and both were provided<br>Reviewer Comment (2025-04-18): Guidelines require a letter of explanation. | 04/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835535 | xxxxxx | 33335709 | xxxxxx | 04/10/2025 | 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 0.86 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated DSCR is not matching based on the HOA fee and PITIA updated as per the source of the document and rent updated correctly however Guideline required is 1% DSCR minimum. |  | Reviewer Comment (2025-04-16): cleared. The condition was reviewed and cleared as the loan met the applicable guidelines in effect at the time of origination. | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835540 | xxxxxx | 33335700 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-04-16): cleared. Fraud Report was provided | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835540 | xxxxxx | 33335701 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-04-16): cleared. Fraud Report was provided | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835541 | xxxxxx | 33335694 | xxxxxx | 04/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Provide fully executed/completed Non-Owner Occupancy Affidavit. Address of primary residence is required. |  | Reviewer Comment (2025-04-15): Cleared. Non-Owner Occupancy Affidavit was provided | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835542 | xxxxxx | 33335693 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception was approved to allow loan to close with xxxxxx. Compensating Factors include reserves of 12+ months (borrower sole owner of business) and FICO 735. | 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 3 or more properties for 12 months | Reviewer Comment (2025-04-10): Waived with compensating factors per lender exception approval at origination. Appraiser confirms access to the xxxxxx has been restricted, and that xxxxxx were in the process of being completed. |  |  | 04/10/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835548 | xxxxxx | 33335691 | xxxxxx | 04/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1. |  | Reviewer Comment (2025-04-14): clear. The Final signed Settlement Statement was provided. | 04/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835549 | xxxxxx | 33335699 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing underwriters discretion documentation allowing primary borrower living rent free in parents home. |  | Reviewer Comment (2025-04-15): UW Discretion explanation provided on 1008. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835551 | xxxxxx | 33335710 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved at origination for using the funds held xxxxxx & xxxxxx. Both statements are dated till xxxxxx and per guidelines will not be valid till xxxxxx vs. guidelines require most 30 days statement prior to the Promissory Note date. Compensating factors are credit score is at least 40 points > min 620, LTV at least 10 percentage points < max 80% and DSCR is >1.15. | 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%. | Reviewer Comment (2025-04-10): Waived with compensating factors per lender exception approval at origination. |  |  | 04/10/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835552 | xxxxxx | 33335720 | xxxxxx | 04/10/2025 | 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 0.68 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Debt Service Coverage Ratio (Subject DSCR) of 0.68 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Reviewer Comment (2025-04-15): Cleared. The condition was reviewed and cleared as the loan met the applicable guidelines in effect at the time of origination. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835555 | xxxxxx | 33335733 | xxxxxx | 04/14/2025 | 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 | Lender to provide hazard insurance policy which was in effect at the time of closing. |  | Reviewer Comment (2025-04-17): clear. Both last year's and current year's HOI policies were provided. | 04/17/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835561 | xxxxxx | 33335639 | xxxxxx | 04/10/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | The fraud report is missing from file. |  | Reviewer Comment (2025-04-15): clear. Fraud Report was provided | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835564 | xxxxxx | 33335668 | xxxxxx | 04/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $9,180.00 based on the loan amount, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  | Reviewer Comment (2025-04-16): cleared. Hazard insurance is reporting replacement cost coverage as the loss settlement basis. This is sufficient per the guidelines. | 04/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835564 | xxxxxx | 33335673 | xxxxxx | 04/11/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 679 is less than Guideline representative FICO score of 680. | Lender approved exception for FICO score of 679 which is less than Guideline representative FICO score of 680. Compensating factors include reserves of at least $50,000, which represents 7 months (4 months more than the minimum 3 required), and residual income of more than $3,000, borrowers have been self-employed in the same business/field for almost 9 years, and debt not reflected on title or fraud report. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-04-11): Waived with compensating factors per lender exception approval at origination. |  |  | 04/11/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835564 | xxxxxx | 33335674 | xxxxxx | 04/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow auto lease collection greater than 24 months with a balance of $5430 to remain open. Borrower has sufficient reserves to cover requirements and balance. Borrower provided an LOE explaining the circumstances behind the charge-off from xxxxxx and why he does not want to pay it. Compensating factors include 12.13 months reserves, and residual income of $12,234.30. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-04-11): Waived with compensating factors per lender exception approval at origination. |  |  | 04/11/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835564 | xxxxxx | 33335675 | xxxxxx | 04/11/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file is missing the E-Sign Consent Agreement |  | Reviewer Comment (2025-04-18): Clear. E-Sign Consent was provided<br>Reviewer Comment (2025-04-16): Needs proof of consent. | 04/18/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835565 | xxxxxx | 33469439 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification that there is no affiliation between the CPA and the borrower. | Borrower has verified disposable income of at least $2500.00.<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. | Reviewer Comment (2025-05-09): Waived with compensating factors at client request. |  |  | 05/09/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835565 | xxxxxx | 33469440 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification that the appraisal was provided to the borrower within 3 days of closing in xxxxxx. The only document provided is in xxxxxx.. |  | Reviewer Comment (2025-04-15): clear. A translated email showing proof of delivery was provided. | 04/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835571 | xxxxxx | 33335642 | xxxxxx | 04/10/2025 | 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 $207.00 exceeds tolerance of $174.00 plus 10% or $191.40. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Recording Fee was disclosed on initial Loan estimate as $174 but disclosed but final Closing Disclosure $207. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  | Reviewer Comment (2025-04-04): Sufficient Cure Provided At Closing |  | 04/04/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 835571 | xxxxxx | 33335645 | xxxxxx | 04/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for borrower has now sent 2022 and 2023 taxes to the IRS and they have been stamped as verification of receipt. The borrower has shown that the total of $3,400 due to the IRS for both years is paid.<br> Compensating Factors:<br> 1. Residual income over $3000<br> 2. Over 4 months additional reserves than required with a loan amount under $1 million. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-15): Waived with compensating factors per lender exception approval. |  |  | 04/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 835600 | xxxxxx | 33232139 | xxxxxx | 04/15/2025 | 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 $847,412.19 is over disclosed by $350.00 compared to the calculated Amount Financed of $847,062.19 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 $847,412.19 ; calculated amount financed is $847,187.19. Variance is $225.00. |  | Reviewer Comment (2025-05-01): Cure docs received<br>Reviewer Comment (2025-04-30): Seller indicated refund check was returned to office due to damage in transit. New shipping label for check LOE and PCCD provided and shows label created on xxxxxx Upon confirmation of receipt by carrier, exception can be cured.<br>Reviewer Comment (2025-04-29): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-04-23): SitusAMC received copy of cure refund of $350, Corrected CD and LOE to borrower. Missing copy of proof of mailing of cure refund and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Reviewer Comment (2025-04-17): Under disclosure amount updated to $350. Fees included are $100 admin fee, $350 AMC service fee, $16,518.04 discount points, $1087.97 prepaid interest, $946 processing, $25 CPL, $530 settlement/closing, $125 mobile signing, $849 underwriting $195 verification technology fee and $211.80 VOE fee.<br>Reviewer Comment (2025-04-17): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: 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 $847,412.19 is over disclosed by $225.00 compared to the calculated Amount Financed of $847,187.19 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 |  | 05/01/2025 |  | 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 if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835600 | xxxxxx | 33232140 | xxxxxx | 04/15/2025 | 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 $1,364,301.55 is under disclosed by $350.00 compared to the calculated Finance Charge of $1,364,651.55 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 $1,364,301.55; calculated finance charge is $1,364,526.55. Variance is $225.00. |  | Reviewer Comment (2025-05-01): Cure docs received<br>Reviewer Comment (2025-04-30): Seller indicated refund check was returned to office due to damage in transit. New shipping label for check LOE and PCCD provided and shows label created on xxxxxx Upon confirmation of receipt by carrier, exception can be cured.<br>Reviewer Comment (2025-04-29): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-04-23): SitusAMC received copy of cure refund of $350, Corrected CD and LOE to borrower. Missing copy of proof of mailing of cure refund and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Reviewer Comment (2025-04-17): Under disclosure amount updated to $350. Fees included are $100 admin fee, $350 AMC service fee, $16,518.04 discount points, $1087.97 prepaid interest, $946 processing, $25 CPL, $530 settlement/closing, $125 mobile signing, $849 underwriting $195 verification technology fee and $211.80 VOE fee.<br>Reviewer Comment (2025-04-17): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: 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 $1,364,301.55 is under disclosed by $225.00 compared to the calculated Finance Charge of $1,364,526.55 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx |  | 05/01/2025 |  | 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 if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835600 | xxxxxx | 33232141 | xxxxxx | 04/15/2025 | 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 Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) | Lender Cure of $482.43 is reflecting on the Final CD. |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 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 | 835600 | xxxxxx | 33232142 | xxxxxx | 04/15/2025 | 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 Verification Of Employment Fee. Fee Amount of $211.80 exceeds tolerance of $135.00. Sufficient or excess cure was provided to the borrower at Closing. (7571) | Lender Cure of $482.43 is reflecting on the Final CD. |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 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 | 835600 | xxxxxx | 33368223 | xxxxxx | 04/29/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | 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. |  | Reviewer Comment (2025-04-30): New signed NORTC received |  | 04/30/2025 |  | 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 notice of rescission model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835673 | xxxxxx | 33361758 | xxxxxx | 05/02/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: AVM / Valuation Report date: xxxxxx | xxxxxx vs. xxxxxx |  | Reviewer Comment (2025-05-13): New AVM provided with correct address. CU in file with score of 1.0 therefore, AVM would not even be required. Still supports value.<br>Reviewer Comment (2025-05-07): The attached does not clear the condition. All documents must match the Note. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835673 | xxxxxx | 33361821 | xxxxxx | 05/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  | Reviewer Comment (2025-05-08): Received Credit refresh report dated xxxxxx . Exception cleared. | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835673 | xxxxxx | 33361904 | xxxxxx | 05/02/2025 | 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 (2025-05-08): SitusAMC received CD dated xxxxxx . | 05/08/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835675 | xxxxxx | 33416318 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide updated occupancy certificate reflecting Refinance only checked as provided copy in file missing refinance only information. |  | Reviewer Comment (2025-05-27): Received occupancy certificate. Exception cleared.<br>Reviewer Comment (2025-05-21): Received updated Occupancy Certificate, please provide the initials of the borrower to acknowledge that the changes were made by the borrower. Exception remains. | 05/27/2025 |  |  | 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 | 835675 | xxxxxx | 33416509 | xxxxxx | 05/09/2025 | 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) | Evidence of earlier receipt not provided. |  | Reviewer Comment (2025-05-21): SitusAMC received earliest e-consent dated xxxxxx | 05/21/2025 |  |  | 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 | 835675 | xxxxxx | 33416562 | xxxxxx | 05/09/2025 | 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 $426.00 exceeds tolerance of $250.00 plus 10% or $275.00. Insufficient or no cure was provided to the borrower. xxxxxx | 10% fee violation due to an increase in the Other recording fee. No valid COC was provided for this change and insufficient cure was provided. . |  | Reviewer Comment (2025-05-30): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-05-27): SitusAMC received Post CD,LOX,Copy of refund check and proof of mailing. UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 05/30/2025 |  | 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 | 835675 | xxxxxx | 33416563 | xxxxxx | 05/09/2025 | 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 HOA/Condo Questionnaire. Fee Amount of $425.00 exceeds tolerance of $400.00. Insufficient or no cure was provided to the borrower. (75215) | HOA/Condo Questionnaire Fee was last disclosed as $400.00 on the Loan Estimate, but was disclosed as $425.00 on the Final Closing Disclosure. No valid COC was provided for this change and insufficient cure was provided. . |  | Reviewer Comment (2025-05-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  | 05/21/2025 |  | 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 | 835716 | xxxxxx | 33448826 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file. WVOE loan program. Form 1065 for the WVOE program not in file. Exception to use The Work Number along with two (2) 2024 year-end pay stubs and current employers 2025 YTD paystub. | 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. | Reviewer Comment (2025-05-14): Client elects to waive with verified compensation factors |  |  | 05/14/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 835736 | xxxxxx | 33288586 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-04-28): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835736 | xxxxxx | 33288592 | xxxxxx | 04/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Investor Concentration of 83.33% exceeds guidelines maximum of 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-04-18): Client elects to waive with verified compensation factors |  |  | 04/18/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835736 | xxxxxx | 33288611 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | There is an LOE in file that states a COGS cannot be provided due to no filings with the department of revenue, however there are filed Articles in file. Provide the Cert of Good Standing. |  | Reviewer Comment (2025-04-25): Received Certificate of good standing. Exception cleared. | 04/25/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835736 | xxxxxx | 33288789 | xxxxxx | 04/22/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2025-04-24): Received Title Commitment. Exception cleared. | 04/24/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835739 | xxxxxx | 33243114 | xxxxxx | 04/16/2025 | 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 (2025-04-14): Client elects to waive |  |  | 04/14/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835739 | xxxxxx | 33243119 | xxxxxx | 04/16/2025 | 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 $650.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |  | 04/11/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835739 | xxxxxx | 33243124 | xxxxxx | 04/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided |  | Reviewer Comment (2025-04-21): Received full Fraud Repot. Exception cleared. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835739 | xxxxxx | 33243130 | xxxxxx | 04/16/2025 | 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 (2025-04-21): PDI provide dated xxxxxx: No Damage<br>Reviewer Comment (2025-04-18): PDI will be ordered<br>Reviewer Comment (2025-04-17): The effective date of the appraisal is dated xxxxxx and the disaster end date xxxxxx . A PDI is required. | 04/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835739 | xxxxxx | 33308900 | xxxxxx | 04/18/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Post Disaster Inspection + ClearMap - 2 Days |  | Reviewer Comment (2025-04-21): PDI provided<br>Reviewer Comment (2025-04-21): Valuation Received - xxxxxx | 04/21/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835749 | xxxxxx | 33274494 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxxxx |  | Reviewer Comment (2025-05-09): UC is not required as OA gives binding authority without consent to members.<br>Reviewer Comment (2025-04-29): Received operating agreement. However, document requested is for Corporate Resolution for xxxxxx. Exception remains. | 05/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835749 | xxxxxx | 33274496 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement is not signed for xxxxxx |  | Reviewer Comment (2025-04-28): Received Operating Agreement signed for xxxxxx. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835749 | xxxxxx | 33277098 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing Guarantor signature for xxxxxx. Page 1 reflects both as Guarantors. | 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 (2025-05-15): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-14): Received Guarantor agreement is post closing. Exception remains. |  |  | 05/15/2025 | 2 D B | D B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835749 | xxxxxx | 33277466 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide the Articles of Org for xxxxxx and xxxxxx |  | Reviewer Comment (2025-04-28): Received Articles of Organization for xxxxxx and xxxxxx. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835749 | xxxxxx | 33277472 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide Certificate of Good Standing for xxxxxx and xxxxxx |  | Reviewer Comment (2025-05-12): Received Certificate of Good Standing for xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-30): Received Certificate of Good Standing for xxxxxx; however, Certificate of Good Standing also required for xxxxxx. Exception remains.<br>Reviewer Comment (2025-04-29): Received operating agreement. However, document requested is for Certificate of Good Standing for xxxxxx and xxxxxx. Exception remains. | 05/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835749 | xxxxxx | 33279204 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Provide the EIN for xxxxxx and xxxxxx |  | Reviewer Comment (2025-04-28): Received EIN for xxxxxx and xxxxxx. Exception cleared. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835749 | xxxxxx | 33279206 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the signed Operating Agreements for xxxxxx and xxxxxx |  | Reviewer Comment (2025-04-28): Received Operating Agreements for xxxxxx and xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-28): Received Operating Agreements for xxxxxx. Provide Operating Agreements for xxxxxx. Exception remains. | 04/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835814 | xxxxxx | 33242768 | xxxxxx | 04/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx; Seller's, xxxxxx and xxxxxx (xxxxxx) |  | Reviewer Comment (2025-04-23): Received Fraud and OFAC search run on Settlement Agent, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-04-22): Received updated Fraud Report, Fraud and OFAC run on the signor of the selling entity, however settlement agent is run with xxxxxx, search needs to be run on individual name, xxxxxx. Exception remains. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835814 | xxxxxx | 33242814 | xxxxxx | 04/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Private landlord. Provide 6 months cancelled checks or bank statements required to support payment history. xxxxxx or other cash exchange apps are allowed if it evidences clear lender/landlord on statements. 6 months cash receipts were provided which does not meet the guideline requirement. |  | Reviewer Comment (2025-04-29): Received VOR to verify that borrower is living rent free. Exception cleared.<br>Reviewer Comment (2025-04-22): Received LOE and corrected 1003, provide VOR to be updated to show borrower is no longer renting. Exception remains.<br>Reviewer Comment (2025-04-21): If the borrower is living rent free, the VOR will need to be updated to show no longer renting, an executed rent free LOE from the person the borrower is living with will need to be provided, as well as an updated 1003 with the correct address reflecting living rent free. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835814 | xxxxxx | 33243016 | xxxxxx | 04/17/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 79.34783% exceeds Guideline loan to value percentage of 75.00000%. | Per guidelines, declining market requires a 5% LTV reduction. | 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 (2025-04-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-04-21): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-04-21): All exceptions must come from the investor. |  |  | 04/23/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835814 | xxxxxx | 33280357 | xxxxxx | 04/17/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The LOE in file from the Landlord states that borrower is staying Rent-Free for the past 3 years at current address; however, VOR & Rent receipts confirm that the Borrower is paying monthly rent of $1,800.00. |  | Reviewer Comment (2025-04-29): Received VOR to verify that borrower is living rent free. Exception cleared.<br>Reviewer Comment (2025-04-22): Received LOE and corrected 1003, provide VOR to be updated to show borrower is no longer renting. Exception remains.<br>Reviewer Comment (2025-04-21): As per 1003 section 1a. borrower is staying Rent-Free for the past 3 years at current address; however, VOR & Rent receipts confirm that the Borrower is paying monthly rent of $1,800.00. Provide corrected 1003. Exception remains. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835814 | xxxxxx | 33280407 | xxxxxx | 04/17/2025 | 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 Origination Fee. Fee Amount of $8,212.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | COC provided is not valid. Locking the rate does not add loan origination fees. |  | Reviewer Comment (2025-04-18): SitusAMC received valid COC dated xxxxxx | 04/18/2025 |  |  | 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 | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 835822 | xxxxxx | 33384090 | xxxxxx | 05/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on individual name of authorized signor of the seller, xxxxxx. |  | Reviewer Comment (2025-05-15): Received updated Fraud Report. Fraud and OFAC run on the seller. Exception cleared.<br>Reviewer Comment (2025-05-12): Received OFAC search run on authorized signor of the seller, xxxxxx. Provide HUD/GSA/LDP or updated fraud report. Exception remains. | 05/15/2025 |  |  | 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 | 835822 | xxxxxx | 33385157 | xxxxxx | 05/06/2025 | 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 (2025-05-02): Client elects to waive |  |  | 05/02/2025 | 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 | 835822 | xxxxxx | 33386637 | xxxxxx | 05/06/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Per guidelines, the gift letter must contain the donor's address and phone number. Both are not located on the gift letter in file. |  | Reviewer Comment (2025-05-19): Received updated Gift Letter with Donor's address and phone number. Exception cleared.<br>Reviewer Comment (2025-05-13): Seller requested back as they are working on providing the documentation. | 05/19/2025 |  |  | 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 | 835822 | xxxxxx | 33386659 | xxxxxx | 05/06/2025 | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Provide evidence of receipt of the $294,734.51 gift funds. |  | Reviewer Comment (2025-05-12): Received wire, deposit receipt and updated 1003 with correct gift amount used. | 05/12/2025 |  |  | 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 | 835824 | xxxxxx | 33245091 | xxxxxx | 04/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of gift funds. |  | Reviewer Comment (2025-04-29): Final SS provided to match PC-CD which reflects a reduction in cash to close. Reducing gift funds, borrower still has sufficient funds to close.<br>Reviewer Comment (2025-04-22): Received Gift letter, deposit receipt and wire confirmation in amount of $8,300, however there is shortfall in closing fund requirement. Gift of 14,500 is required to be utilized, therefore provide additional funds. Exception remains. | 04/29/2025 |  |  | 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 | 835824 | xxxxxx | 33245137 | xxxxxx | 04/17/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $14,500.00 is less than Cash From Borrower $14,990.33. | Paid POCB invoices not provided |  | Reviewer Comment (2025-04-18): Paid invoice for POCB provided. | 04/18/2025 |  |  | 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 | 835824 | xxxxxx | 33245148 | xxxxxx | 04/17/2025 | 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 (2025-04-15): Client elects to waive |  |  | 04/15/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835834 | xxxxxx | 33343832 | xxxxxx | 04/30/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $9,842.53 is less than Cash From Borrower $10,081.56. | There is a PC-CD in file which reflects a reduction in cash to close, however the final stamped settlement statement was not provided to support. |  | Reviewer Comment (2025-05-02): Final stamped settlement statement provided to support the PC-CD for a reduction in cash to close. Borrower now has sufficient funds to close. | 05/02/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835837 | xxxxxx | 33384023 | xxxxxx | 05/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception : SB326 report recommend "xxxxxx" and HOA cert Question 32a - xxxxxx - The HOA won settlement from the xxxxxx, for xxxxxx and selected xxxxxx. The HOA is still in the process of selecting a bid and a construction manager to have the work done with the settlement funds. Borrower want to get exception waiving all of the above repairs. | 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 (2025-05-02): Client elects to waive with verified compensation factors |  |  | 05/02/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835837 | xxxxxx | 33401481 | xxxxxx | 05/06/2025 | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA xxxxxxR - Individual Originator License Status Not Approved | Truth in Lending Act (xxxxxxR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Application date xxxxxx . Loan closed xxxxxx . The LO must be licensed at time of application until time of closing. Per the xxxxxx, the LO's license was inactive from xxxxxx until xxxxxx . Provide an attestation from the LO for review that reflects if any business as conducted on the loan during the license inactive period. |  | Reviewer Comment (2025-05-15): Client elects to waive<br>Reviewer Comment (2025-05-15): SitusAMC received signed attestation from the LO that they did not engage in any of MLO activities during the 9 days they were not licensed during the loan origination.<br>Reviewer Comment (2025-05-08): The LOE provided is not on company letterhead and from xxxxxx as well as the LO on the file is xxxxxx. There is no indication the LO is referenced by any other name. |  |  | 05/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835838 | xxxxxx | 33370818 | xxxxxx | 05/05/2025 | 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 (2025-05-12): FTP provided | 05/12/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 835838 | xxxxxx | 33370831 | xxxxxx | 05/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or UDM report is required. |  | Reviewer Comment (2025-05-07): Received Credit Report dated xxxxxx . Exception cleared. | 05/07/2025 |  |  | 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 | 835838 | xxxxxx | 33370875 | xxxxxx | 05/05/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 for Co-Borrower (xxxxxx) reflecting primary as "No Primary housing expenses" instead of "Rent" per rent free LOE in file. |  | Reviewer Comment (2025-05-06): Received corrected 1003. Exception cleared. | 05/06/2025 |  |  | 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 | 835838 | xxxxxx | 33371248 | xxxxxx | 05/05/2025 | 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 (2025-05-07): Received updated Fraud Report. Fraud and OFAC run on the seller. Exception cleared. | 05/07/2025 |  |  | 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 | 835838 | xxxxxx | 33392162 | xxxxxx | 05/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The prelim title report reflects PUD endorsements are to be attached, however both appraisals do not reflect PUD or HOA dues. |  | Reviewer Comment (2025-05-12): Updated FTP provided<br>Reviewer Comment (2025-05-08): The final or updated title policy will need to be provided to support as currently it reflects PUD. | 05/12/2025 |  |  | 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 | 835859 | xxxxxx | 33431753 | xxxxxx | 05/12/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Gap Letter was not provided for the periods of xxxxxx xxxxxx 23 for B1. |  | Reviewer Comment (2025-05-30): Borrower LOE and additional documentation to support transfer to different division within the company and there wasn't a gap between xxxxxx and xxxxxx <br>Reviewer Comment (2025-05-21): The lender LOE is not acceptable and condition cannot be removed. TWN provided for xxxxxx reflects start date of xxxxxx and termination date of xxxxxx . States transferred but there isn't a work number supporting transferred to what division and start date/end dates. The borrower's LOE covers a gap from xxxxxx to xxxxxx only. Borrower started xxxxxx from xxxxxx to xxxxxx and then back to xxxxxx on xxxxxx . There is no documentation for dates xxxxxx xxxxxx 23 which must be documented. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-05-15): Received Lender correspondence, however the work number in file for xxxxxx, reflects most recent start date as xxxxxx and termination date xxxxxx , another work number reflects most recent start date as xxxxxx that is for the current employment. Whereas previous employment at xxxxxx reflects most recent start date as xxxxxx and termination date as xxxxxx . Therefore there is gap between xxxxxx and xxxxxx . Provide Gap Letter for the periods of xxxxxx xxxxxx 23. Exception remains. | 05/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | D B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835859 | xxxxxx | 33431780 | xxxxxx | 05/12/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal in file is dated post-close. A pre-close appraisal is required. |  | Reviewer Comment (2025-05-19): Preclose appraisal provided<br>Reviewer Comment (2025-05-15): Received same Appraisal dated xxxxxx , that is dated post-close. Provide pre-close appraisal. Exception remains. | 05/19/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Second Home | Purchase | D B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835859 | xxxxxx | 33431819 | xxxxxx | 05/12/2025 | 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 with intent to occupy. |  | Reviewer Comment (2025-05-08): Client elects to waive |  |  | 05/08/2025 | 2 B | B | xxxxxx | xxxxxx | Second Home | Purchase | D B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835889 | xxxxxx | 33363641 | xxxxxx | 04/30/2025 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss or loss of use coverage of 6 months PITIA is required (page 18 of lender's guidelines). | 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. | Reviewer Comment (2025-05-08): Client elects to waive with verified compensation factors |  |  | 05/08/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 835946 | xxxxxx | 33423942 | xxxxxx | 05/12/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx HB1399 - No evidence of required counseling disclosure language per xxxxxx HB 1399. |  |  | Reviewer Comment (2025-05-08): Client elects to waive |  |  | 05/08/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | 33423945 | xxxxxx | 05/12/2025 | 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 HOA/Condo Questionnaire. Fee Amount of $322.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | 33424232 | xxxxxx | 05/12/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.84205% or Final Disclosure APR of 8.85600% is equal to or greater than the threshold of APOR 6.81% + 1.5%, or 8.31000%. 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 (2025-05-14): Delivery provided<br>Reviewer Comment (2025-05-13): The same delivery was provided that was in file at time of review and is for the prelim appraisal. Condition is referencing delivery needs to be provided for the updated appraisal with a completion date of xxxxxx | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | 33424233 | xxxxxx | 05/12/2025 | 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 (2025-05-14): Delivery provided<br>Reviewer Comment (2025-05-13): The same delivery was provided that was in file at time of review and is for the prelim appraisal. Condition is referencing delivery needs to be provided for the updated appraisal with a completion date of xxxxxx | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | 33429227 | xxxxxx | 05/12/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | xxxxxx Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  | Reviewer Comment (2025-05-08): Client elects to waive |  |  | 05/08/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | 33429228 | xxxxxx | 05/12/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Non-Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 8.84205% or Final Disclosure APR of 8.85600% is equal to or greater than the threshold of APOR 6.81% + 1.5%, or 8.31000%. Non-Compliant Higher Priced Loan. |  |  | Reviewer Comment (2025-05-08): Client elects to waive |  |  | 05/08/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | 33456610 | xxxxxx | 05/14/2025 | 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 (2025-05-14): Client elects to waive |  |  | 05/14/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835957 | xxxxxx | 33384018 | xxxxxx | 05/06/2025 | 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 RTC expiration date is xxxxxx for the borrower. Per the Final CD, the loan disbursed xxxxxx . 3 days rescission not provided for borrower.(Note: The non-borrower signed on the xxxxxx, however the borrower signed on xxxxxx which is when the rescission for this individual starts). |  | Reviewer Comment (2025-05-08): Final SS and PC-CD provided with correct disbursement date of xxxxxx Rescission requirements were met. | 05/08/2025 |  |  | 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 | 835957 | xxxxxx | 33386161 | xxxxxx | 05/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-09): Received updated Fraud Report. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/09/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836002 | xxxxxx | 33493579 | xxxxxx | 05/27/2025 | 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 (2025-05-29): Received Credit Gap report. Exception cleared. | 05/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 836007 | xxxxxx | 33405293 | xxxxxx | 05/08/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal report dated xxxxxx reflects the city as "xxxxxx" vs Note reflects the city as "xxxxxx". |  | Reviewer Comment (2025-05-14): Updated appraisal provided | 05/14/2025 |  |  | 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 | 836007 | xxxxxx | 33407169 | xxxxxx | 05/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business phone number must be independently verified for the W2 jobs. |  | Reviewer Comment (2025-05-14): Received Internet Search to verify Business phone number. Exception cleared.<br>Reviewer Comment (2025-05-12): The VVOE with the phone number included does not clear this condition. The business phone number must be independently verified (i.e. internet search, etc). | 05/14/2025 |  |  | 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 | 836007 | xxxxxx | 33407245 | xxxxxx | 05/08/2025 | 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 $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | The COC reflects change in appraisal fee due to UW requirement to close is a second appraisal. First appraisal was received xxxxxx, purchase contract signed xxxxxx, and title was received xxxxxx Fee was not disclosed until xxxxxx which is outside of the 3 days of discovery of the flip transaction. |  | Reviewer Comment (2025-05-16): SitusAMC received valid COC dated xxxxxx <br>Reviewer Comment (2025-05-15): SitusAMC: The COC dated xxxxxx 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 Second appraisal was required to add the fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the 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. | 05/16/2025 |  |  | 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 |
| xxxxxx | 836016 | xxxxxx | 33396359 | xxxxxx | 05/07/2025 | 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 xxxxxx ID, Contact Name, Contact xxxxxx ID). (Final xxxxxx) | Contact xxxxxx ID is missing. There is a PC-CD in file with this correction, however LOE to borrower was not provided for cure. |  | Reviewer Comment (2025-05-13): SitusAMC received PCCD and LOE. |  | 05/13/2025 |  | 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 | 836016 | xxxxxx | 33396559 | xxxxxx | 05/07/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the corrected 1003 to reflect Unmarried per the title, deed, and DOT in file. |  | Reviewer Comment (2025-05-12): Updated 1003 provided | 05/12/2025 |  |  | 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 | 836016 | xxxxxx | 33396671 | xxxxxx | 05/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-13): Received fraud and OFAC search for settlement agent. Exception cleared. | 05/13/2025 |  |  | 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 | 836079 | xxxxxx | 33402924 | xxxxxx | 05/07/2025 | 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 Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $860.00. Insufficient or no cure was provided to the borrower. (7506) | Additional information is required for the COC appraisal increase as it just reflects "complexity" and is not sufficient information to determine if COC is valid. |  | Reviewer Comment (2025-05-09): SitusAMC received a valid COC. | 05/09/2025 |  |  | 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 A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | 33409946 | xxxxxx | 05/08/2025 | 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 43% per Full Doc 1.2025 Matrix. Only up to 55% allowed on Primary. Transaction is a Second Home. |  | Reviewer Comment (2025-05-15): Non-QM loan based on DTI exception waived with compensating factors. | 05/15/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | 33409947 | xxxxxx | 05/08/2025 | 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 49.82942% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Max 43% per Full Doc 1.2025 Matrix. Only up to 55% allowed on Primary. Transaction is a Second Home. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-15): Client elects to waive with verified compensation factors |  |  | 05/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | 33409971 | xxxxxx | 05/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 49.82942% exceeds Guideline total debt ratio of 43.00000%. | Max 43% per Full Doc 1.2025 Matrix. Only up to 55% allowed on Primary. Transaction is a Second Home. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-15): Client elects to waive with verified compensation factors |  |  | 05/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | 33410052 | xxxxxx | 05/08/2025 | 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. | Max 43% per Full Doc 1.2025 Matrix. Only up to 55% allowed on Primary. Transaction is a Second Home. |  | Reviewer Comment (2025-05-15): Client elects to waive DTI with verified compensation factors. Condition no longer applies. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | 33410459 | xxxxxx | 05/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for project master insurance which makes project non-warrantable. Mater policy shows xxxxxx is a required xxxxxx. The HOA has $10K per unit deductible on the xxxxxx (separate from other xxxxxx). This would be xxxxxx. The per unit deductible exceeds 5% of the total insured value. This makes the project unwarrantable and since it is not listed as an allowable characteristic for non-warrantable condos, an exception is required. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-05): Client elects to waive with verified compensation factors |  |  | 05/05/2025 | 2 B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | 33411064 | xxxxxx | 05/08/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal reflects xxxxxx units and xxxxxx rented units, however per the HOA cert, there are xxxxxx rented units and xxxxxx units. Provide the updated appraisal. |  | Reviewer Comment (2025-05-15): Updated appraisal provided | 05/15/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | 33411091 | xxxxxx | 05/08/2025 | 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/Condo Questionnaire. Fee Amount of $457.60 exceeds tolerance of $350.00. Insufficient or no cure was provided to the borrower. (75215) | COC is not valid for increase in fee. |  | Reviewer Comment (2025-05-28): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 05/28/2025 |  | 2 C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836151 | xxxxxx | 33352229 | xxxxxx | 04/30/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal has city as xxxxxx and Note shows xxxxxx. | 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 (2025-05-07): Client elects to waive with verified compensation factors |  |  | 05/07/2025 | 2 C B | C B | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836151 | xxxxxx | 33352256 | xxxxxx | 04/30/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate has city as xxxxxx and Note shows xxxxxx. | 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 (2025-05-07): Client elects to waive with verified compensation factors |  |  | 05/07/2025 | 2 C B | C B | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836151 | xxxxxx | 33352472 | xxxxxx | 04/30/2025 | 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 (2025-05-07): SitusAMC received initial CD. | 05/07/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836164 | xxxxxx | 33371533 | xxxxxx | 05/05/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The provided Flood Cert. reflects the subject city as xxxxxx vs Note reflects city as xxxxxx. Provide updated flood certificate to reflect the correct subject city. |  | Reviewer Comment (2025-05-06): Updated flood cert provided | 05/06/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836164 | xxxxxx | 33396208 | xxxxxx | 05/05/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | Investor exception in file. Loan is a 24 month P&L loan, there are 2 P&L's in file. The Borrower started her business in 2020 as a sole prop, then incorporated xxxxxx. 1 P&L is from when business was incorporated xxxxxx - latest quarter ending xxxxxx The prev months are from when business was a sole prop from xxxxxx - xxxxxx . | 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 (2025-05-01): Client elects to waive with verified compensation factors |  |  | 05/01/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836164 | xxxxxx | 33396327 | xxxxxx | 05/05/2025 | 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 $5,780.46 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The COC states fee was added due to loan amount change, however the loan amount did not change from xxxxxx CD to xxxxxx CD. |  | Reviewer Comment (2025-05-28): SitusAMC received a valid COC.<br>Reviewer Comment (2025-05-19): SitusAMC received Changed Circumstance dated xxxxxx states Credit exception adjustment, but it does not give sufficient information on credit exception made. In order to determine if the changed circumstance is valid more information is necessary on reason fee added along with supporting documents for Credit exception 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. | 05/28/2025 |  |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836180 | xxxxxx | 33293160 | xxxxxx | 04/22/2025 | 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 Settlement Agent, xxxxxx is missing. |  | Reviewer Comment (2025-04-23): Received Fraud and OFAC Search run on Settlement Agent, xxxxxx. Exception cleared. | 04/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836180 | xxxxxx | 33310251 | xxxxxx | 04/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | There is a $99,000 deposit into account xxxxxx that came from a non-borrower and from account xxxxxx. Provide the account statement from xxxxxx to support one of our borrower's is a joint account holder, otherwise this would be considered a gift. |  | Reviewer Comment (2025-05-22): Gift letter received from donor xxxxxx for the $99K deposit into account xxxxxx confirming borrowers are not joint account holder for xxxxxx.<br>Reviewer Comment (2025-05-20): Received gift letter reflects both borrower's name xxxxxx and xxxxxx. Therefore provide bank statement to support that one of our borrower's is a joint account holder. Exception remains.<br>Reviewer Comment (2025-05-07): Received Gift Letter does not list donor's address and Phone number. Exception remains.<br>Reviewer Comment (2025-04-24): Condition cannot be waived. The sourcing is no longer required for overlays on large deposits. However, if the source is clearly identified on the bank statement as it coming from a non-borrower and if evidence is not provided the borrower is a joint account holder of the account it came from, then this is considered a gift and gift documentation would be required. | 05/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | 33311714 | xxxxxx | 04/23/2025 | 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 $111.70 exceeds tolerance of $56.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Credit Report Fee was last disclosed as $56.00 on the Loan Estimate, but was disclosed as $111.70 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 $55.70, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-04-21): Sufficient Cure Provided At Closing |  | 04/21/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | 33323766 | xxxxxx | 04/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 65.26378% exceeds Guideline total debt ratio of 65.00000%. | The full balances per the most recent payoffs for xxxxxx and xxxxxx. The remaining balance was added to the DTI. |  | Reviewer Comment (2025-04-29): Per overlays, charge offs and collections are allowed to be excluded if borrower has sufficient reserves. Excluded 1 chargeoff account per client requested. The other 2 are added to the DTI, which is also allowed per guidelines. DTI is now under 65% and meets investor guidelines. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | 33323796 | xxxxxx | 04/23/2025 | 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. | The full balances per the most recent payoffs for xxxxxx and xxxxxx. The remaining balance was added to the DTI. |  | Reviewer Comment (2025-04-29): Per overlays, charge offs and collections are allowed to be excluded if borrower has sufficient reserves. Excluded 1 chargeoff account per client requested. The other 2 are added to the DTI, which is also allowed per guidelines. DTI is now under 65% and meets investor guidelines. | 04/29/2025 |  |  | 1 B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | 33323797 | xxxxxx | 04/23/2025 | 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 65.26378% moderately exceeds the guideline maximum of 65.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The full balances per the most recent payoffs for xxxxxx and xxxxxx. The remaining balance was added to the DTI. |  | Reviewer Comment (2025-04-29): Per overlays, charge offs and collections are allowed to be excluded if borrower has sufficient reserves. Excluded 1 chargeoff account per client requested. The other 2 are added to the DTI, which is also allowed per guidelines. DTI is now under 65% and meets investor guidelines. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | 33323798 | xxxxxx | 04/23/2025 | 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. | The full balances per the most recent payoffs for xxxxxx and xxxxxx. The remaining balance was added to the DTI. |  | Reviewer Comment (2025-04-29): Per overlays, charge offs and collections are allowed to be excluded if borrower has sufficient reserves. Excluded 1 chargeoff account per client requested. The other 2 are added to the DTI, which is also allowed per guidelines. DTI is now under 65% and meets investor guidelines. | 04/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | 33323804 | xxxxxx | 04/23/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1 month receipt | Per guidelines, VA benefits require 1 month receipt of deposit. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<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 (2025-05-01): Client elects to waive with verified compensation factors |  |  | 05/01/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836253 | xxxxxx | 33353220 | xxxxxx | 05/01/2025 | 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 (2025-04-29): Client elects to waive |  |  | 04/29/2025 | 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 | 836253 | xxxxxx | 33353224 | xxxxxx | 05/01/2025 | 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. | The Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2025-04-29): Client elects to waive |  |  | 04/29/2025 | 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 | 836253 | xxxxxx | 33355220 | xxxxxx | 05/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-05-15): Received Mortgage Participant List Report. Fraud and OFAC run on the seller. Exception cleared. | 05/15/2025 |  |  | 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 | 836253 | xxxxxx | 33370573 | xxxxxx | 05/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. Borrower payment history via bank statements only provided. |  | Reviewer Comment (2025-05-27): Received VOR. Exception cleared.<br>Reviewer Comment (2025-05-15): Received VOR. However, account in the name of is not updated. Exception remains. | 05/27/2025 |  |  | 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 | 836256 | xxxxxx | 33411670 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance policy is missing on file. |  | Reviewer Comment (2025-05-12): HOI provided. See new conditions. | 05/12/2025 |  |  | 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 | 836256 | xxxxxx | 33441040 | xxxxxx | 05/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI received post-review. Provide the RCE. |  | Reviewer Comment (2025-05-13): RCE provided | 05/13/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836256 | xxxxxx | 33441041 | xxxxxx | 05/12/2025 | 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 | HOI received post-review. Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  | Reviewer Comment (2025-05-15): Updated policies povided<br>Reviewer Comment (2025-05-13): The effective date is not prior to or at disbursement. The effective date is xxxxxx on the HOI. The PC-CD provided reflects the disbursement date was changed to xxxxxx from the Final CD of xxxxxx There is no final stamped settlement statement in file to support the actual disbursement date. | 05/15/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836329 | xxxxxx | 33422144 | xxxxxx | 05/12/2025 | 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 Credit Report Fee. Fee Amount of $150.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | The Survey Fee increases from $100.00 on the initial Loan Estimate to $150.50.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836329 | xxxxxx | 33422174 | xxxxxx | 05/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. Authorized signors for seller, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-05-15): Received updated Fraud Report. HUD/LDP/GSA searches run on Authorized signors for seller, xxxxxx and xxxxxx. Exception Cleared.<br>Reviewer Comment (2025-05-14): Received OFAC search for xxxxxx and xxxxxx. Provide HUD/GSA/LDP search or updated fraud report. Exception remains. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836335 | xxxxxx | 33398638 | xxxxxx | 05/07/2025 | 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. |  |  |  | Reviewer Comment (2025-05-14): Received Title Supplement report with coverage amount. Exception cleared. | 05/14/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836335 | xxxxxx | 33398659 | xxxxxx | 05/07/2025 | 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 (2025-05-14): Received updated Hazard Insurance policy with ISAOA listed. Exception cleared. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836335 | xxxxxx | 33398661 | xxxxxx | 05/07/2025 | 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 Settlement Agent, xxxxxx, and the Seller, xxxxxx, is missing. |  | Reviewer Comment (2025-05-14): Received updated Fraud Report. Fraud and OFAC searches run on Settlement Agent, xxxxxx, and the Seller, xxxxxx. Exception Cleared. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836335 | xxxxxx | 33402697 | xxxxxx | 05/07/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.49 is less than Guideline PITIA months reserves of 6.00. | Per guidelines, FTHB require 6 months 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 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 (2025-05-15): Client elects to waive with verified compensation factors |  |  | 05/15/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836335 | xxxxxx | 33402704 | xxxxxx | 05/07/2025 | 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. | Per guidelines, FTHB require 6 months reserves. |  | Reviewer Comment (2025-05-15): Loan designation updated to Non-QM. Condition no longer applies. | 05/15/2025 |  |  | 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 | 836335 | xxxxxx | 33402705 | xxxxxx | 05/07/2025 | 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, FTHB require 6 months reserves. |  | Reviewer Comment (2025-05-15): Loan designation updated to Non-QM. Condition no longer applies. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836339 | xxxxxx | 33438046 | xxxxxx | 05/15/2025 | 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 Reinspection Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7552) | Reinspection Fee was not disclosed 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. The COC provided does not give any valid reasoning for addition. |  | Reviewer Comment (2025-05-19): SitusAMC received detailed comment and supporting COC was already provided in the loan file. | 05/19/2025 |  |  | 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 A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836339 | xxxxxx | 33438230 | xxxxxx | 05/15/2025 | 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 (2025-05-16): Received Fraud Report and GSA for authorized signor for seller, xxxxxx. Exceptional cleared. | 05/16/2025 |  |  | 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 | 836377 | xxxxxx | 33445144 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception. The provided Permanent Resident Alien card in the file expired on xxxxxx and the renewal is declined. Borrower provided supporting documentation to show the case is re-opened. However, comp factors are incorrect. DTI is not <=40%. Investor to update form. | 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>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 (2025-05-19): Client elects to waive with verified compensation factors |  |  | 05/19/2025 | 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 | 836392 | xxxxxx | 33443393 | xxxxxx | 05/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the subject property with xxxxxx was not verified and not on credit. Provide the 12 month housing history. If a VOM is provided, per investor overlays, borrower's 6 month pay history via cancelled checks/bank statements will be required. Pay history and VOM in file only for second lien that was paid off on xxxxxx prior to closing. | Borrower has owned the subject property for at least 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-20): As previously stated on 5/19, the investor has overlays to the lender guidelines, of which, this is a requirement.<br>Reviewer Comment (2025-05-19): Per the investor overlays to the lender's guidelines, this is a requirement. |  |  | 05/22/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836392 | xxxxxx | 33443400 | xxxxxx | 05/16/2025 | 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 (2025-05-21): FTP provided | 05/21/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836392 | xxxxxx | 33455998 | xxxxxx | 05/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the lien satisfaction for xxxxxx Bank (2nd lien on title) as VOM states paid xxxxxx or provide supplement from title stating lien will not appear on final title. |  | Reviewer Comment (2025-05-21): Clear FTP provided<br>Reviewer Comment (2025-05-19): The condition cannot be waived. Please review the original condition. Provide the lien satisfaction for xxxxxx Bank (2nd lien on title) as VOM states paid xxxxxx or provide supplement from title stating lien will not appear on final title. | 05/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836423 | xxxxxx | 33429804 | xxxxxx | 05/13/2025 | 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 (2025-05-14): Updated later dated title provided | 05/14/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836423 | xxxxxx | 33429990 | xxxxxx | 05/13/2025 | 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 $7.00 exceeds tolerance of $-713.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credits was decreased from $713.00 on the initial Loan Estimate to -$7.00 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-05-15): SitusAMC Received Holiday Calender showing office closed on xxxxxx . | 05/15/2025 |  |  | 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 B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836423 | xxxxxx | 33429991 | xxxxxx | 05/13/2025 | 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 $10,993.84 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee was not disclosed on the initial Loan Estimate and was charged $10,993.84 on the Loan Estimate dated xxxxxx without a valid change of circumstance. Rate lock reflects occurred on xxxxxx Addition of fee was not disclosed until xxxxxx which is > 3 days from discovery. |  | Reviewer Comment (2025-05-15): SitusAMC Received Holiday Calender showing office closed on xxxxxx . | 05/15/2025 |  |  | 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 B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836423 | xxxxxx | 33429992 | xxxxxx | 05/13/2025 | 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 $358.51 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $100.00 on the initial Loan Estimate to $358.51 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-05-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 05/15/2025 |  |  | 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 B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836423 | xxxxxx | 33429993 | xxxxxx | 05/13/2025 | 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 $4,888.30 exceeds tolerance of $4,840.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increased from $4,840.00 on the initial Loan Estimate to $4,888.30 on the Final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-05-15): SitusAMC Received Holiday Calender showing office closed on xxxxxx . | 05/15/2025 |  |  | 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 B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836429 | xxxxxx | 33387088 | xxxxxx | 05/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-05-21): Received Articles of Organization/Formation. Exception cleared.<br>Reviewer Comment (2025-05-19): Received Operating Agreement which was already in file. Provide Articles of Organization/Formation Exception remains.<br>Reviewer Comment (2025-05-14): Received EIN, Franchise tax account status, operating agreement and Borrowing Certificate. However, requested document was not provided. Please provide Articles of Organization/Formation. Exception remains. | 05/21/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836429 | xxxxxx | 33397931 | xxxxxx | 05/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per guidelines, Rent loss or loss of use coverage of 6 months PITIA is required. (PITIA $2,986.79 x 6=$17,920.74; rent loss on HOI policy is $15,050). | 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 (2025-05-08): Client elects to waive with verified compensation factors |  |  | 05/08/2025 | 2 C B | C B D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836434 | xxxxxx | 33446597 | xxxxxx | 05/16/2025 | 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 & The Seller xxxxxx, signing on behalf of xxxxxx, are missing. |  | Reviewer Comment (2025-05-23): Received OFAC and SAM search for seller. Exception cleared.<br>Reviewer Comment (2025-05-22): Received updated Fraud Report. Fraud and OFAC search run on the settlement agent and Seller. However there is OFAC and SAM.gov alert for seller, xxxxxx. Therefore provide OFAC and SAM.gov for seller. Exception remains. | 05/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836434 | xxxxxx | 33455238 | xxxxxx | 05/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file for partial check and cash payments for primary rental housing payment which is not allowed. However, comp factors are incorrect. DTI is not < =40%. Investor update exception form. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-19): This condition is for the investor to update their form. Please do not queue exceptions with questions as this assigns the condition back to the DD and extends the SLA review. Current DTI is 41.54621% as determined by the docs in file. The lender did not use correct taxes which are $542.81/month or the correct monthly debt which is $698/month. Assigned to investor to update form. |  |  | 05/22/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836526 | xxxxxx | 33481029 | xxxxxx | 05/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID - the file contains an illegible TRID disclosure. Testing is incomplete |  | Page 3 of the final CD was not provided. |  | Reviewer Comment (2025-05-22): SitusAMC received page 3 of final CD | 05/22/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836526 | xxxxxx | 33481075 | xxxxxx | 05/20/2025 | 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 Preliminary in file. | Supplement in file with increased coverage does not reflect the correct subject property address (incorrect property). |  | Reviewer Comment (2025-05-26): Corrected supplement provided<br>Reviewer Comment (2025-05-22): Supplement provided with correct property address however borrower is still incorrect.<br>Reviewer Comment (2025-05-22): The same supplement was provided that was in file at time of review. Please review the original condition. Supplement in file with increased coverage does not reflect the correct subject property address (incorrect property and borrower). | 05/26/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836539 | xxxxxx | 33435171 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA xxxxxxR - Originator Company License Status Not Approved | Truth in Lending Act (xxxxxxR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. | Per the xxxxxx, the Loan Origination Company was not licensed to conduct business from xxxxxx in xxxxxx. License must be active from time of application through time of closing. |  | Reviewer Comment (2025-05-16): Lender attestation provided verified with xxxxxx that LO company is federally registered as of 2011. | 05/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836539 | xxxxxx | 33435173 | xxxxxx | 05/14/2025 | 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 (2025-05-23): SitusAMC received lender attestation that xxxxxx LE was never provided to borrower.<br>Reviewer Comment (2025-05-16): SitusAMC received xxxxxx LE. However, this exception relates to the xxxxxx LE which was not received by borrower at least 4 business days prior to consummation. Mailbox rule in effect with xxxxxx receive date. Provide proof of earlier receipt to meet timing. | 05/23/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836539 | xxxxxx | 33435653 | xxxxxx | 05/14/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | xxxxxx vs xxxxxx |  | Reviewer Comment (2025-05-28): Updated appraisal provided<br>Reviewer Comment (2025-05-22): The LOE is no acceptable. Further, the appraiser it stating the property is not located in xxxxxx which would make the address on all other documents incorrect.<br>Reviewer Comment (2025-05-15): The LOE is not acceptable. The neighborhood name is not the address. Provide the corrected appraisal. | 05/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836539 | xxxxxx | 33442066 | xxxxxx | 05/14/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx50(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 (2025-05-15): Signed disclosure provided | 05/15/2025 |  |  | 1 C A | C A 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. C | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836551 | xxxxxx | 33423540 | xxxxxx | 05/12/2025 | 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 (2025-05-15): FTP provided | 05/15/2025 |  |  | 1 A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836551 | xxxxxx | 33423807 | xxxxxx | 05/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title reflects the city as xxxxxx, the Note reflects xxxxxx |  | Reviewer Comment (2025-05-15): FTP provided | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836593 | xxxxxx | 33362424 | xxxxxx | 05/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | A letter signed by the CPA, CTEC (xxxxxx Tax Education Council) or EA (Enrolled Agent), an Attorney on their business letterhead stating all of the followings:<br> 1) Name, address, phone number, and license number for the preparer;<br> 2) Confirmation that they prepared the most recent 2 years tax return filing for the borrower's business ; and<br> 3) Borrower's business name, borrower's name, and the percentage ownership of borrower to the business. |  | Reviewer Comment (2025-05-06): Received CPA Letter. Exception cleared. | 05/06/2025 |  |  | 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 | 836593 | xxxxxx | 33362470 | xxxxxx | 05/02/2025 | 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 (2025-04-30): Client elects to waive |  |  | 04/30/2025 | 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 | 836599 | xxxxxx | 33385828 | xxxxxx | 05/02/2025 | 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 (2025-05-13): Received LOX from borrower. Exception cleared.<br>Reviewer Comment (2025-05-05): Received CPA Letter is not acceptable. Per guidelines, LOE must be provided from borrower to explain the details of business nature for not requiring government issued license. Exception remains. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836607 | xxxxxx | 33425452 | xxxxxx | 05/13/2025 | 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 (2025-05-09): Client elects to waive |  |  | 05/09/2025 | 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 | 836607 | xxxxxx | 33425453 | xxxxxx | 05/13/2025 | 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) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-05-19): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation.<br>Reviewer Comment (2025-05-15): SitusAMC As per Seller Comment file does not contain CD dated xxxxxx . Provide copy of CD dated xxxxxx along with evidence that borrower received the CD 3 days prior to closing. | 05/19/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836607 | xxxxxx | 33425469 | xxxxxx | 05/13/2025 | 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 $15,975.74 exceeds tolerance of $15,591.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Transfer Tax was last disclosed as $15,591.00 on the Loan Estimate, but was disclosed as $15,975.74 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 $384.74, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836607 | xxxxxx | 33425706 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, and settlement agent, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-05-20): Received updated Fraud Report. Fraud and OFAC run on the settlement agent and Seller. Exception cleared. | 05/20/2025 |  |  | 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 | 836607 | xxxxxx | 33436621 | xxxxxx | 05/13/2025 | 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 (2025-05-22): Received borrower's letter which explain the details of business nature. Exception cleared.<br>Reviewer Comment (2025-05-15): Received CPA letter and CPA License. However the document requested is for the Business license for the past 2 years or borrower's letter explaining the details of business nature for not require government issued license. Exception remains. | 05/22/2025 |  |  | 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 | 836612 | xxxxxx | 33469105 | xxxxxx | 05/20/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.74272% or Final Disclosure APR of 8.83100% is in excess of allowable threshold of Prime Mortgage Market Rate 6.83000 + 1.75%, or 8.58000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 836612 | xxxxxx | 33469379 | xxxxxx | 05/20/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided within Three Days of Application) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower within three days of application. | Counseling Disclosure not provided to Borrower within 3 days of application |  | Reviewer Comment (2025-05-19): Client elects to waive |  |  | 05/19/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836730 | xxxxxx | 33468755 | xxxxxx | 05/20/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide Borrower contact sheet with citizenship question. |  | Reviewer Comment (2025-05-22): Contact sheet provided | 05/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836730 | xxxxxx | 33468758 | xxxxxx | 05/20/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Received Hazard Insurance policy does not cover xxxxxx (internal and external) as required by the guidelines. | 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 12 months | Reviewer Comment (2025-05-22): Client elects to waive with verified compensation factors |  |  | 05/22/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 836824 | xxxxxx | 33482535 | xxxxxx | 05/23/2025 | 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 (2025-05-28): Received updated Fraud Report. Fraud and OFAC search run on the settlement agent. Exception cleared. | 05/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836824 | xxxxxx | 33506070 | xxxxxx | 05/23/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete |  | Investor exception in file for rents paid in cash which is not allowed. | 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 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 (2025-05-22): Client elects to waive with verified compensation factors |  |  | 05/22/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 836955 | xxxxxx | 33433454 | xxxxxx | 05/14/2025 | 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 loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | There is an incomplete CD with no issue date and a closing date of xxxxxx that was signed and dated by the borrower and must be included in the testing. |  | Reviewer Comment (2025-05-16): Upon further review, the disclosure is acceptable. | 05/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836955 | xxxxxx | 33433458 | xxxxxx | 05/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim xxxxxx) | There is an incomplete CD with no issue date and a closing date of xxxxxx that was signed and dated by the borrower and must be included in the testing. |  | Reviewer Comment (2025-05-16): Upon further review, the disclosure is acceptable. | 05/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836955 | xxxxxx | 33433459 | xxxxxx | 05/14/2025 | 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 (2025-05-15): Received Undisclosed Debt Monitoring (UDM) report. Exception cleared. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836955 | xxxxxx | 33435178 | xxxxxx | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Please provide a copy of the Permanent Parenting Plan with attached child support worksheet that is referenced within the Divorce Decree. Child support to be added to the DTI. |  | Reviewer Comment (2025-05-20): Received Child Support with child support worksheet. Exception cleared. | 05/20/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | 33446536 | xxxxxx | 05/16/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.15208% or Final Disclosure APR of 9.24100% is equal to or greater than the threshold of APOR 6.81% + 1.5%, or 8.31000%. 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 (2025-05-29): Delivery provided | 05/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | 33446538 | xxxxxx | 05/16/2025 | 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 Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) | The Appraisal Desk Review Fee increases from $0.00 on the initial Loan Estimate to $165.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-05-13): Sufficient Cure Provided At Closing |  | 05/13/2025 |  | 1 A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | 33447245 | xxxxxx | 05/16/2025 | 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 (2025-05-29): Delivery provided | 05/29/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | 33454306 | xxxxxx | 05/16/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file is dated post-close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-05-21): Received pre-close appraisal. Exception cleared. | 05/21/2025 |  |  | 1 D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | 33533841 | xxxxxx | 05/29/2025 | 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 (2025-05-29): Client elects to waive |  |  | 05/29/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837178 | xxxxxx | 33474077 | xxxxxx | 05/20/2025 | 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 (2025-05-22): Received UDM report. exception cleared. | 05/22/2025 |  |  | 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 | 837232 | xxxxxx | 33421739 | xxxxxx | 05/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: xxxxxx | The Final 1003 reflects Primary, however dec page reflects intent to occupy as No. Initial 1003 was marked as Investment without intent to occupy and an initial occupancy cert that reflects investment. There is a corrected 1003 in file with the question answered Yes on dec page for intent to occupy, but the sub-question of "If yes, have you had an ownership interest in another property?", is answered No. Borrower has a Primary converting to an investment property and 4 other owned investment properties. Provide the fully corrected 1003 and lender attestation on error/change in property type. |  | Reviewer Comment (2025-05-15): Updated 1003 provided<br>Reviewer Comment (2025-05-14): Received lender attestation however the 1003 is still not correct. There is a corrected 1003 in file with the question answered Yes on dec page for intent to occupy, but the sub-question of "If yes, have you had an ownership interest in another property?", is answered No. Borrower has a Primary converting to an investment property and 4 other owned investment properties. Provide the updated 1003. | 05/15/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837232 | xxxxxx | 33428262 | xxxxxx | 05/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Please provide SOF of the deposit increase in xxxxxx. File contains a VOD with an average monthly balance of $7,472.09. However, the current balance is $156,149.02 with no evidence of the breakdown of deposits. Please a breakdown of the deposits and provide SOF for all large deposits defined as any single deposit that represents greater than 100% of the borrower's qualifying monthly income. | 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 (2025-05-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-09): Loan was reviewed to investor guidelines as this is a bank statement deal and is required. |  |  | 05/16/2025 | 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 | 837242 | xxxxxx | 33427165 | xxxxxx | 05/13/2025 | 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 and xxxxxx is missing. |  | Reviewer Comment (2025-05-14): Received Fraud and OFAC search run on Seller - xxxxxx and xxxxxx. Exception cleared. | 05/14/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | 33411290 | xxxxxx | 05/09/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $342,437.10 is less than Cash From Borrower $344,589.32. | Borrower owns 30% of xxxxxx and 50% of xxxxxx. Based on the 1003, the lender utilized 100% of the business assets to qualify. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-28): As previously stated and access letter is not acceptable and the funds for business are limited to the borrower's ownership %. Lender's guidelines are silent on business assets and per investor, when silent defaults to the investor's guidelines which limit business funds to the borrower's ownership % and does not accept an access letter.<br>Reviewer Comment (2025-05-27): Access letter has no bearing on this. Assets are limited to the owner's business %. |  |  | 05/29/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | 33411296 | xxxxxx | 05/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | The P&L provided reflects an incorrect end/till date as xxxxxx . xxxxxx only has 28 days. |  | Reviewer Comment (2025-05-13): Received P&L with correct end date xxxxxx . Exception cleared. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | 33411306 | xxxxxx | 05/09/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-05-16): Received E-Sign Consent Agreement. Exception cleared.<br>Reviewer Comment (2025-05-14): Condition cannot be waived. The purchase contract is e-signed by the borrower, therefore the e-consent is required. | 05/16/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | 33411319 | xxxxxx | 05/09/2025 | 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 6.00. | Borrower owns 30% of xxxxxx and 50% of xxxxxx. Based on the 1003, the lender utilized 100% of the business assets to qualify. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-05-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-28): As previously stated and access letter is not acceptable and the funds for business are limited to the borrower's ownership %. Lender's guidelines are silent on business assets and per investor, when silent defaults to the investor's guidelines which limit business funds to the borrower's ownership % and does not accept an access letter.<br>Reviewer Comment (2025-05-27): Access letter has no bearing on this. Assets are limited to the owner's business %. |  |  | 05/29/2025 | 2 C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | 33413622 | xxxxxx | 05/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide evidence of receipt of the proceeds of $250,000 from the new HELOC on xxxxxx (ie Bank statement, VOD, Final settlement statement reflecting C/O proceeds, etc). |  | Reviewer Comment (2025-05-13): Received Wire confirmation and Deposit Receipt. Exception cleared. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837248 | xxxxxx | 33408406 | xxxxxx | 05/09/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $16,000.00 is less than Cash From Borrower $17,011.29. |  |  | Reviewer Comment (2025-05-13): Updated PC-CD that matches final SS provided and paid POCB fee invoices/certs provided.<br>Reviewer Comment (2025-05-12): The final stamped settlement statement was provided but does not clear the condition nor does it match the PC-CD. Cash to close is calculated as funds to close + POCB fees + EMD + any adjustments/gifts/1031 listed - any cash back at closing. Per the final settlement statement. total cash to close required is $19,210.17 ($16,000 deposit and POCB fees of $928 & $2,326.88). Only the $16,000 gift was documented. Provide the updated PC-CD to match the final settlement statement the paid invoices for both POCB fees. | 05/13/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837254 | xxxxxx | 33409878 | xxxxxx | 05/09/2025 | 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 (2025-05-13): Supplement provided | 05/13/2025 |  |  | 1 B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837254 | xxxxxx | 33414286 | xxxxxx | 05/09/2025 | 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 and final 1003, dec page, for xxxxxx reflects intent to occupy. |  | Reviewer Comment (2025-05-06): Client elects to waive |  |  | 05/06/2025 | 2 B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837254 | xxxxxx | 33414293 | xxxxxx | 05/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx Occupancy: Investment; Declarations/Will borrower occupy: Yes | Initial and final 1003 for xxxxxx, dec page, reflects intent to occupy. Provide the corrected 1003 and lender's attestation regarding error. |  | Reviewer Comment (2025-05-12): Updated 1003 and lender attestation on error provided. | 05/12/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 837309 | xxxxxx | 33485068 | xxxxxx | 05/23/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-05-22): Client elects to waive |  |  | 05/22/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837309 | xxxxxx | 33485073 | xxxxxx | 05/23/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $322,400.00 is less than Cash From Borrower $323,234.27. | There is a PC-CD in file that reflects a reduction in cash to close, however the final stamped settlement statement was not provided to support. Also there is no paid invoice for the POCB either. |  | Reviewer Comment (2025-05-28): POCB paid invoice provided<br>Reviewer Comment (2025-05-27): Final Stamped Settlement Statement provided to support reduction in cash to close, however borrower is still short $834.27. Provide the paid invoice for the POCB for $845.<br>Reviewer Comment (2025-05-27): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Documented qualifying Assets for Closing of $322,400.00 is less than Cash From Borrower $324,700.23. | 05/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837309 | xxxxxx | 33506046 | xxxxxx | 05/23/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 is not signed and dated by the LO. Borrower Authorization signed and dated by borrower utilized. |  | Reviewer Comment (2025-05-22): Client elects to waive |  |  | 05/22/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837323 | xxxxxx | 33471617 | xxxxxx | 05/21/2025 | 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 (2025-05-30): Seller's Permit provided. Per a xxxxxx state lookup, in xxxxxx, a regular seller's permit is valid as long as your business is actively selling or leasing taxable goods or services. There's no specific expiration date for it, and it doesn't require annual renewal. | 05/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837323 | xxxxxx | 33488738 | xxxxxx | 05/21/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Missing 1007 for rental income verification. |  | Reviewer Comment (2025-05-28): Updated 1003/1008 provided removing rental income | 05/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837323 | xxxxxx | 33502072 | xxxxxx | 05/21/2025 | 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. | Due to missing income and rental documentation |  | Reviewer Comment (2025-05-30): Seller's Permit provided. Per a xxxxxx state lookup, in xxxxxx, a regular seller's permit is valid as long as your business is actively selling or leasing taxable goods or services. There's no specific expiration date for it, and it doesn't require annual renewal.Seller's Permit provided. Per a xxxxxx state lookup, in xxxxxx, a regular seller's permit is valid as long as your business is actively selling or leasing taxable goods or services. There's no specific expiration date for it, and it doesn't require annual renewal.<br>Reviewer Comment (2025-05-28): Received 1008/1003 removing rental income, however this does not clear this condition as we are still missing income documentation. | 05/30/2025 |  |  | 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 | 837323 | xxxxxx | 33502073 | xxxxxx | 05/21/2025 | 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. | Due to missing income and rental documentation |  | Reviewer Comment (2025-05-30): Seller's Permit provided. Per a xxxxxx state lookup, in xxxxxx, a regular seller's permit is valid as long as your business is actively selling or leasing taxable goods or services. There's no specific expiration date for it, and it doesn't require annual renewal.<br>Reviewer Comment (2025-05-28): Received 1008/1003 removing rental income, however this does not clear this condition as we are still missing income documentation. | 05/30/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837365 | xxxxxx | 33450523 | xxxxxx | 05/19/2025 | 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 is not in the name of the lender. |  | Reviewer Comment (2025-05-16): Client elects to waive |  |  | 05/16/2025 | 2 B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837365 | xxxxxx | 33450965 | xxxxxx | 05/19/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.87 is less than Guideline PITIA months reserves of 4.00. | Gift funds of $30,475.12 were presented instead $35,000.00 as reflected on the final 1003 and there are no POC paid invoices in file. |  | Reviewer Comment (2025-05-20): POCB paid invoices provided. Updated 1003 in file with correct gift funds that matches gift letter and funds receipt. | 05/20/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837365 | xxxxxx | 33450966 | xxxxxx | 05/19/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 676 is less than Guideline representative FICO score of 680. | Per overlays, P&L program requires minimum 680 FICO scores when LTV exceeds 75%. | 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 (2025-05-21): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-05-21): Assigned to investor. Lender would like to waive.<br>Reviewer Comment (2025-05-20): The investor has overlays to the lender's guidelines. The minimum FICO is 680 when the LTV is > 75%. Investor will need to consider waiving with verified comp factors. |  |  | 05/21/2025 | 2 C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837365 | xxxxxx | 33450971 | xxxxxx | 05/19/2025 | 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. | Due to insufficient reserves. |  | Reviewer Comment (2025-05-20): POCB paid invoices provided. Updated 1003 in file with correct gift funds that matches gift letter and funds receipt. | 05/20/2025 |  |  | 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 | 837365 | xxxxxx | 33450972 | xxxxxx | 05/19/2025 | 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. | Due to insufficient reserves. |  | Reviewer Comment (2025-05-20): POCB paid invoices provided. Updated 1003 in file with correct gift funds that matches gift letter and funds receipt. | 05/20/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837431 | xxxxxx | 33443401 | xxxxxx | 05/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The source of the large deposits into account xxxxxx were provided for $34,360 and $30,000. Checks deposit were from individuals, one of which is a current donor on a different gift letter for the EMD deposit. Additional gift letters were not provided for these deposits. |  | Reviewer Comment (2025-05-28): Received Gift Letter for all source of deposit made by other parties. Exception cleared.<br>Reviewer Comment (2025-05-22): Assigned to investor. Lender would like to waive.<br>Reviewer Comment (2025-05-22): The deposits are clearly identified as being provided by parties not on the loan as well as the donors for the gifts documented in file. The documentation is required.<br>Reviewer Comment (2025-05-19): Gift letters will be required for the large deposits in the original condition and per comments on xxxxxx that were provided by the individuals to the borrower (see deposits which indicate individuals names that provided the funds) .<br>Reviewer Comment (2025-05-16): The same documents were provided that were in file at time of review. Please review the original condition. The source of the large deposits into account xxxxxx were provided for $34,360 and $30,000. Checks deposit were from individuals, one of which is a current donor on a different gift letter for the EMD deposit. Additional gift letters were not provided for these deposits. | 05/28/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837431 | xxxxxx | 33443472 | xxxxxx | 05/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA LOE in file references Borrower as xxxxxx and "her" throughout the CPA LOE. Per Borrower's EAD documentation Borrower is a male. |  | Reviewer Comment (2025-05-22): Revised updated CPA Letter. Exception cleared.<br>Reviewer Comment (2025-05-20): Received CPA letter is post closing. Exception remains. | 05/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837761 | xxxxxx | 33506242 | xxxxxx | 05/23/2025 | 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 DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-05-22): Client elect to waive |  |  | 05/22/2025 | 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 B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837770 | xxxxxx | 33448884 | xxxxxx | 05/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report and OFAC not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-05-20): Received updated Fraud report. Fraud and OFAC run on the settlement agent. Exception cleared. | 05/20/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837773 | xxxxxx | 33458315 | xxxxxx | 05/20/2025 | 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 & the Seller xxxxxx, signing on behalf of xxxxxx, are missing. |  | Reviewer Comment (2025-05-22): Received Fraud and OFAC search run on seller xxxxxx. Exception cleared.<br>Reviewer Comment (2025-05-21): The provided Fraud Report reflects search run on Settlement Agent, xxxxxx; however, missing for Seller xxxxxx, signing on behalf of xxxxxx. Provide updated Fraud report for search run on Seller xxxxxx as well. Exception remains. | 05/22/2025 |  |  | 1 C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |

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## Exhibit 99.4

**EXHIBIT 99.4**

**AMC RATING AGENCY GRADES**

![](tm2518320d1_ex99-2img001.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** | **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** | **Kroll** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Scope** |
| xxxxxx | 821380 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 822018 | 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 | 822976 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 823448 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 824588 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 825549 | 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 | 825551 | 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 | 826694 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 826747 | 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 | 827595 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 827629 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 828201 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 828231 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 828466 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 828633 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 828664 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 829009 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 829100 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 829284 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | N/A D | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 829374 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C D | C | C D B | N/A | N/A | N/A | N/A | N/A B | B | Property Focused |
| xxxxxx | 829378 | 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 | 829523 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C D A | N/A | N/A D | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 829632 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 829726 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 829903 | 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 | 829906 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 830026 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | N/A | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 830027 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 830112 | 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 | 830129 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 830226 | 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 | 830431 | 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 | 830444 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 830448 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 830513 | 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 | 830522 | 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 | 830555 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | N/A B | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 830644 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 830689 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 830693 | 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 | 830736 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C D A | N/A | N/A D B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 830737 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 830784 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 830824 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C D A | D | N/A D | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 830904 | 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 | 830922 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 830928 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 830975 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 830991 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 831017 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831030 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831064 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831072 | 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 | 831074 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 831088 | xxxxxx | xxxxxx | xxxxxx C | 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 | 831155 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831167 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831313 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 831317 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831327 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831385 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 831388 | 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 | 831431 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | N/A B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 831465 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 831474 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831495 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 831528 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | N/A | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 831544 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831583 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831592 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | N/A C | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 831670 | 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 | 831707 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831717 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831723 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831796 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831808 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | N/A | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 831811 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831816 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C A | A | N/A C D B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 831818 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831828 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 831892 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831898 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831919 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A | A D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 831949 | 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 | 831956 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 831964 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 831967 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832159 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 832167 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832171 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832293 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | N/A C | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 832311 | 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 | 832319 | 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 | 832358 | 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 | 832399 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832424 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832446 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832455 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832457 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832532 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | C | C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832545 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832615 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832624 | 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 | 832646 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 832668 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832671 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 832702 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832710 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832711 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832724 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832746 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832749 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 832761 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832768 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A C D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 832799 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 832802 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 832808 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832864 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 832931 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832953 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 832957 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832993 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 832994 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 832997 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | N/A | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 833015 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833030 | 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 | 833042 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833053 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833064 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833081 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833124 | 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 | 833128 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833136 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833164 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833179 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833182 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833185 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833190 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833210 | 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 | 833239 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833248 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833265 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | N/A C | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 833277 | 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 | 833286 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 833291 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | N/A C D B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 833292 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833296 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833443 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833455 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | N/A D B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 833460 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833467 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833482 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833486 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833488 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833498 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833511 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833518 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833537 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833577 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 833578 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833606 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833643 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833645 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833653 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833655 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 833656 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833662 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833665 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833713 | 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 | 833740 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833741 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833743 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833744 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833749 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833754 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833770 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | xxxxxx | xxxxxx D | B | B | B | B | B A | A | A D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833792 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 833822 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833847 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 833854 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833892 | xxxxxx | xxxxxx | xxxxxx D | B | B | B | B | B A | A | A D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 833895 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 833910 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 833925 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833949 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833974 | 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 | 834012 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834033 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 834047 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834048 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 834049 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 834119 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 834123 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834134 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834170 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834180 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 834182 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834232 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A C | C | C A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834241 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834242 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834243 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834249 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 834252 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 834257 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 834260 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 834261 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834314 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834321 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834327 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 834337 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834341 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834344 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834356 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C A | A | A C D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 834413 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834417 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 834429 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 834439 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | N/A | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 834492 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834685 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834782 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834793 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834801 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C B | B | B C | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 834868 | 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 | 834874 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834885 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 834908 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834924 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 834925 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 834981 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A D | D | D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 834984 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835116 | 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 | 835131 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835167 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835195 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835223 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835225 | 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 | 835231 | 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 | 835267 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 835300 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835303 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835311 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835319 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835326 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835339 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | N/A | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 835429 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C B | B | B C A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 835435 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835436 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835439 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835440 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 835444 | 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 | 835455 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A B | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835473 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835476 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 835490 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 835502 | 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 | 835529 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835533 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835535 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835536 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835538 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835539 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835540 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835541 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835542 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 835545 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835546 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835548 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835549 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835550 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835551 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 835552 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835554 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835555 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835556 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 835561 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835564 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 835565 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 835571 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 835600 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835673 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835675 | 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 | 835716 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | A B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 835734 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835736 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 835739 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835749 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 835814 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 835822 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835824 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835829 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835834 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835837 | 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 | 835838 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835859 | xxxxxx | xxxxxx | xxxxxx D | B | B | B | B | B A | A | A D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835871 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835889 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 835916 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 835957 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836002 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836007 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836016 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 836079 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A | A D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 836151 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836164 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836180 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836253 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 836256 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836329 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836335 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836339 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836377 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836392 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836423 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836429 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 836434 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836526 | xxxxxx | xxxxxx | xxxxxx B | D | D | D | D | D A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836539 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | D A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836551 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836593 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 836599 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836607 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 836612 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 836704 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836716 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 836730 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 836824 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836955 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837045 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A | A D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 837178 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837232 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 837242 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 837247 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837248 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837254 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 837262 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837271 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837274 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837276 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837309 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 837323 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837357 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837365 | 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 | 837431 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837761 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 837770 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837773 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 837775 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR DILIGENCE REPORT**

![](tm2518320d1_ex99-2img001.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 | 821380 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 822018 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 822976 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 823448 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 824588 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 825549 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 825551 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 826694 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 826747 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 827595 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 827629 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 828201 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 828231 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 828466 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 828633 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 828664 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 829009 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 829100 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 829112 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 829284 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 829374 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 829378 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 829523 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 829632 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 829726 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 829903 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 829906 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830026 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 830027 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830112 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 830129 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 830226 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 830431 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 830444 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830448 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830513 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 830522 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 830555 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 830644 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 830689 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830693 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 830736 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 830737 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830784 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830824 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 830904 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 830922 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830928 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830975 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 830991 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831017 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831030 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831064 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831072 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831074 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831088 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831155 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831167 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831313 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831317 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831327 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831385 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831388 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831431 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831465 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831474 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831495 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 831528 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831544 | xxxxxx | xxxxxx | N/A |  |  | xxxxxx |
| xxxxxx | 831583 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831592 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831611 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831670 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831707 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831717 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831723 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831796 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831808 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831811 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831816 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 831818 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831828 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831892 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831898 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831919 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831938 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831949 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831956 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831964 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 831967 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832159 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832166 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832167 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832171 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832293 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832311 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832319 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832358 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832399 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832424 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832446 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832455 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832457 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832532 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832545 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832615 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832624 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832646 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832668 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832671 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832702 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832710 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832711 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832724 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832746 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832749 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832761 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832768 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832778 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832799 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832802 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832808 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832864 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832931 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832953 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 832957 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832993 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 832994 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 832997 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833015 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833030 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833042 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833053 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833064 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833081 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833124 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833128 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 833136 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833164 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833179 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833182 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833185 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833190 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833210 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833239 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833248 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833265 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833277 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833286 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833291 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833292 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833296 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833443 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833455 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833460 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833467 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833482 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833486 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833488 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833498 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833511 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833518 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833537 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833577 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833578 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833606 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833643 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833645 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833653 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833655 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833656 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833662 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833665 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833713 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833740 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 833741 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833743 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833744 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 833749 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833754 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833770 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833786 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833792 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833822 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833847 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833854 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833892 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833895 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833910 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 833925 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833949 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833974 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834012 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834033 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834045 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834047 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834048 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834049 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834119 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834123 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834134 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834170 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834180 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834182 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834232 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834241 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834242 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834243 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834249 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834252 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834257 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834260 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834261 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834314 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834321 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834327 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834337 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834341 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834344 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834356 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834412 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834413 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834417 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834429 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834439 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834441 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834492 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 834685 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834782 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834793 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834801 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834859 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834868 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834874 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834885 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834908 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834924 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834925 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834981 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 834982 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 834984 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835116 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835131 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835167 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835195 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835223 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835225 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835231 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835267 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835300 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 835303 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 835311 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835319 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835326 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835339 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835429 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835431 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835435 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835436 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835439 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835440 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835444 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835455 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835473 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835476 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835490 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835502 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835529 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835533 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835535 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835536 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835538 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835539 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835540 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835541 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835542 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835545 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835546 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835548 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835549 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835550 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835551 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835552 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835554 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835555 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835556 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835561 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 835564 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 835565 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 835571 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 835600 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835673 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835675 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835716 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835734 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835736 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835739 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835749 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835814 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835822 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835824 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835829 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835834 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835837 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835838 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835859 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835871 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 835889 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835916 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835946 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 835957 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836002 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 836007 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836016 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836079 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836150 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836151 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836164 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836180 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836233 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836253 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836256 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836329 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836335 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836339 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836377 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836392 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836423 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836429 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836434 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836526 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836539 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836551 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836593 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836599 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 836607 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836612 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836704 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 836716 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836730 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836824 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 836955 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837045 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837136 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837178 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837232 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837242 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837243 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837247 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 837248 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837254 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837262 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837271 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837274 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837276 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837309 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837323 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837357 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837365 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837431 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837761 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837770 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 837773 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 837775 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC VALUATION REPORT**

![](tm2518320d1_ex99-2img001.jpg)

**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** |  |  |  |  |
| **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** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 821380 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/25/2024 | 09/06/2024 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 822018 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 10/08/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/18/2024 | 10/08/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 | Mortgagor Focused |
| xxxxxx | 822976 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.410% | xxxxxx | 10/03/2024 | 10/01/2024 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 6.410% | 10/15/2024 | 10/01/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 823448 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 824588 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/10/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 825549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2020 | 07/09/2020 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 825551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/25/2022 | 01/21/2022 | Appraisal | xxxxxx |  |  |  |  |  |  | Seasoned Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 | Mortgagor Focused |
| xxxxxx | 826694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 09/20/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 09/20/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 826747 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/07/2025 | 12/12/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/16/2025 | 12/12/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.60 | Mortgagor Focused |
| xxxxxx | 827595 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/11/2024 | 12/05/2024 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 827629 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/16/2025 | 10/21/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/06/2025 | 10/21/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 828201 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/10/2024 | 12/05/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/15/2025 | 12/05/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 828231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/26/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 | Mortgagor Focused |
| xxxxxx | 828466 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 01/21/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/04/2025 | 01/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 | Property Focused |
| xxxxxx | 828633 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/21/2024 | 11/13/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/12/2024 | 11/13/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 828664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/20/2025 | 12/19/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 12/19/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 829009 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/15/2025 | 01/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 829100 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/22/2025 | 01/19/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/28/2025 | 01/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.464% | xxxxxx | 11/15/2024 | 11/15/2024 | AVM | xxxxxx | 0.04 | xxxxxx | $0.00 | 0.000% | 01/29/2025 | 01/29/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 829284 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/17/2025 | 01/04/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/07/2025 | 01/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 | Mortgagor Focused |
| xxxxxx | 829374 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/17/2025 | 01/15/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 13.287% | 02/24/2025 | 02/23/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 829378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/23/2025 | 11/19/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/26/2024 | 11/19/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/23/2024 | 10/21/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2024 | 10/21/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  | Mortgagor Focused |
| xxxxxx | 829632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/24/2025 | 01/21/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 829726 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 12/11/2024 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 | Property Focused |
| xxxxxx | 829903 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 12/30/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/09/2025 | 12/30/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 829906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 02/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/24/2025 | 02/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 830026 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 02/02/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 13.836% | 02/07/2025 | 02/07/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 830027 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 02/12/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -1.504% | 02/18/2025 | 02/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/08/2025 | 03/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/23/2025 | 01/23/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 02/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 830226 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/11/2025 | 02/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 | Mortgagor Focused |
| xxxxxx | 830431 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 01/30/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/11/2025 | 01/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 830444 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/17/2024 | 12/06/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/07/2025 | 12/06/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 830448 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/02/2025 | 01/31/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 830513 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/14/2025 | 02/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 830522 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 03/01/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 0.455% | 01/30/2025 | 01/30/2025 | AVM | xxxxxx | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Mortgagor Focused |
| xxxxxx | 830555 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/06/2025 | 02/06/2025 | BPO | xxxxxx |  | xxxxxx | xxxxxx | 1.784% | 02/06/2025 | 02/06/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 830644 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/29/2025 | 01/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/12/2025 | 01/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 | Mortgagor Focused |
| xxxxxx | 830689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/20/2025 | 02/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/27/2025 | 02/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 | Property Focused |
| xxxxxx | 830693 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 01/23/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -9.722% | 03/19/2025 | 01/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 | Mortgagor Focused |
| xxxxxx | 830736 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 02/13/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/21/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 830737 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 02/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  | Property Focused |
| xxxxxx | 830784 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/20/2025 | 09/12/2024 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 830824 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/30/2025 | 12/19/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/07/2025 | 12/19/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 | Mortgagor Focused |
| xxxxxx | 830904 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/13/2025 | 02/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/21/2025 | 02/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 830922 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/23/2025 | 02/12/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -7.237% | 02/20/2025 | 02/20/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 830928 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/05/2025 | 02/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 830975 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 02/13/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/05/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 830991 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/24/2025 | 02/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/28/2025 | 02/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 831017 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 02/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/11/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Property Focused |
| xxxxxx | 831030 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/01/2025 | 03/01/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -7.407% | 03/14/2025 | 03/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 02/05/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/14/2025 | 02/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 831072 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/07/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 | Mortgagor Focused |
| xxxxxx | 831074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/10/2025 | 01/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/11/2025 | 01/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 | Mortgagor Focused |
| xxxxxx | 831088 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.021% | xxxxxx | 03/06/2025 | 02/04/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 0.021% | 02/09/2025 | 02/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 831155 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/29/2025 | 01/02/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -4.000% | 01/27/2025 | 01/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/07/2025 | 03/06/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 831313 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 02/08/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 831317 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/18/2025 | 01/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/05/2025 | 01/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 831327 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/06/2025 | 12/17/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/09/2025 | 12/17/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 | Property Focused |
| xxxxxx | 831385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/20/2025 | 02/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 831388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/13/2025 | 01/10/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 831431 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/26/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 831465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/09/2025 | 03/04/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2025 | 03/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 831474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 02/28/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -2.778% | 03/06/2025 | 02/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 831528 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 02/27/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/14/2025 | 02/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 831544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 12/03/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 12/03/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 831583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 02/25/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 831592 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/23/2025 | 02/12/2025 | Drive By | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/27/2025 | 02/12/2025 | Desk Review | xxxxxx |  | Moderate | xxxxxx | xxxxxx | 7.268% | xxxxxx | 0.09 | 02/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/07/2025 | 02/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 831670 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/08/2025 | 02/26/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 831707 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/11/2025 | 02/04/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/11/2025 | 02/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831717 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 03/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/08/2025 | 03/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 831723 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/14/2025 | 02/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/13/2025 | 02/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 02/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 | Property Focused |
| xxxxxx | 831808 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 03/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/06/2025 | 03/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 831811 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11.667% | xxxxxx | 03/27/2025 | 03/19/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 11.667% | 03/26/2025 | 03/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831816 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/15/2024 | 11/14/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/21/2025 | 11/14/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Mortgagor Focused |
| xxxxxx | 831818 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 02/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/14/2025 | 02/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 831828 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/21/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 831892 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/18/2024 | 09/11/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/25/2025 | 09/11/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831898 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/16/2025 | 01/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/17/2025 | 01/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831919 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/09/2025 | 03/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/11/2025 | 03/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 831938 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/17/2025 | 01/24/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -0.806% | 02/20/2025 | 01/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 831949 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 02/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/07/2025 | 02/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 831956 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 03/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/07/2025 | 03/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 831964 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 02/18/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 4.615% | 03/13/2025 | 02/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Mortgagor Focused |
| xxxxxx | 831967 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 03/01/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -1.159% | 03/05/2025 | 03/05/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832159 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/08/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/12/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -1.504% | 03/18/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 | Mortgagor Focused |
| xxxxxx | 832167 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/23/2024 | 12/12/2024 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/16/2025 | 12/12/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 832293 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/14/2025 | 03/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/20/2025 | 03/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 832319 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/20/2025 | 01/20/2025 | AVM | xxxxxx | 0.11 | xxxxxx | xxxxxx | 15.729% | 01/31/2025 | 01/31/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 832358 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/27/2025 | 02/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/10/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 832399 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 02/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 832424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 832446 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 02/27/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 832455 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/28/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 02/28/2025 | 02/25/2025 |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 832457 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/17/2025 | 02/17/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 02/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 832532 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 10/18/2024 | 10/16/2024 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -7.692% | 04/28/2025 | 10/16/2024 | Field Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832545 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/12/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 8.179% | 02/18/2025 | 02/18/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 832615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 02/06/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 0.610% | 03/24/2025 | 03/20/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832624 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 832646 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/06/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -6.907% | 03/29/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 | Mortgagor Focused |
| xxxxxx | 832668 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/13/2025 | 01/31/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 832671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 02/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 832702 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 02/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/27/2025 | 02/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/12/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 832711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 02/16/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/21/2025 | 02/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 832724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/27/2025 | 02/23/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -5.057% | 03/11/2025 | 02/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 | Property Focused |
| xxxxxx | 832746 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 832749 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/17/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2025 | 03/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 832761 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/12/2025 | 02/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/28/2025 | 02/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832768 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 03/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2025 | 03/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 832799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/06/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 832802 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/10/2025 | 01/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/23/2025 | 01/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 832808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/02/2025 | 02/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2025 | 02/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/11/2025 | 03/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 832931 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/28/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 832953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/13/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/04/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 832957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/20/2025 | 02/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/25/2025 | 02/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 832993 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 832994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 832997 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/24/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 833015 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/07/2025 | 01/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/06/2025 | 01/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 833030 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 833042 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/09/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2025 | 03/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 | Property Focused |
| xxxxxx | 833053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/22/2025 | 02/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/05/2025 | 02/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 | Mortgagor Focused |
| xxxxxx | 833064 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/07/2025 | 02/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2025 | 02/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Moderate | 03/19/2025 | 02/28/2025 |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833081 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/14/2025 | 03/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 03/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833124 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 03/15/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 | Mortgagor Focused |
| xxxxxx | 833128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2025 | 03/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 833136 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 02/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/07/2025 | 02/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 | Property Focused |
| xxxxxx | 833164 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/04/2025 | 03/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/13/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/06/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.10 | Property Focused |
| xxxxxx | 833182 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/28/2025 | 02/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 833185 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 02/24/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Property Focused |
| xxxxxx | 833190 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 02/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833210 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/22/2025 | 03/22/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/30/2025 | 03/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 | Mortgagor Focused |
| xxxxxx | 833239 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833248 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/22/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/04/2025 | 03/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.40 | Mortgagor Focused |
| xxxxxx | 833265 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/27/2025 | 02/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/04/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 | Mortgagor Focused |
| xxxxxx | 833277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/07/2025 | 03/06/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/20/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 833286 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/01/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 03/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 833291 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 13.601% | xxxxxx | 03/17/2025 | 03/17/2025 | AVM | xxxxxx | 0.08 | xxxxxx | $0.00 | 0.000% | 03/17/2025 | 03/17/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/27/2025 | 02/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/28/2025 | 02/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 833296 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 833443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 833455 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 03/06/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/14/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 833460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/14/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 0.192% | 03/15/2025 | 03/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 03/20/2025 | 03/14/2025 |  |  |  |  |  |  | No | 5.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 833467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/15/2025 | 03/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2025 | 03/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833482 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833486 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 01/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2025 | 01/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833488 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/20/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 833498 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833511 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/10/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 833518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/20/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 833537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/14/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -8.965% | 03/19/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.40 | Mortgagor Focused |
| xxxxxx | 833577 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 833578 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 | Property Focused |
| xxxxxx | 833606 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 | Mortgagor Focused |
| xxxxxx | 833643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/13/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 833645 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/19/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 1.961% | 03/05/2025 | 03/01/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | $0.00 | xxxxxx | -100.000% | xxxxxx | Indeterminate | 02/27/2025 | 02/19/2025 |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 833653 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 03/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 833655 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 03/12/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/19/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833656 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/12/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/21/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/21/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 03/04/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2025 | 03/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 833713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/08/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -6.250% | 03/17/2025 | 03/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 | Mortgagor Focused |
| xxxxxx | 833740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/04/2025 | 02/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 833741 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833743 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833744 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/20/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 833749 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/04/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.70 | Mortgagor Focused |
| xxxxxx | 833754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/21/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 2.469% | 03/14/2025 | 03/13/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 833770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/11/2025 | 02/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 833786 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 03/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 833792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/29/2025 | 03/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833822 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 833847 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/04/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 833854 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/11/2025 | 03/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833892 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/22/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 833895 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 | Mortgagor Focused |
| xxxxxx | 833925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/04/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2025 | 03/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 833949 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/19/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -0.786% | 03/27/2025 | 03/27/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 834012 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/10/2025 | 02/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 02/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834033 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/12/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 834047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2025 | 03/04/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/04/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 834048 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 03/17/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 03/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 834049 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/13/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/03/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/01/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 834123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Mortgagor Focused |
| xxxxxx | 834134 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 834170 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/17/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/21/2025 | 03/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 834180 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/20/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/17/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 834232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/20/2025 | 02/17/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 834241 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/22/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2025 | 03/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 834242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 03/20/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 834243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/15/2025 | 03/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 834249 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/05/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 834252 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/16/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 834257 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 03/12/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834260 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/06/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Mortgagor Focused |
| xxxxxx | 834261 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/12/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2025 | 03/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834314 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/24/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 | Property Focused |
| xxxxxx | 834321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 04/01/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 834327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/06/2025 | 02/25/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 834337 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/14/2025 | 03/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 834341 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -8.430% | 03/26/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 03/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 834356 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/01/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/03/2025 | 01/31/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 834413 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 01/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 01/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 | Property Focused |
| xxxxxx | 834417 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 | Mortgagor Focused |
| xxxxxx | 834429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 03/15/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 834439 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 01/16/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 01/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 834492 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.392% | xxxxxx | 04/10/2025 | 04/01/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 834685 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/27/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 03/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 834782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 | Mortgagor Focused |
| xxxxxx | 834793 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 834801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 834859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 834868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/27/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 834874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/13/2025 | 04/09/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 834885 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/30/2025 | 03/29/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 834908 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2025 | 03/11/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 834924 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/26/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 834925 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/27/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 834981 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/17/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 03/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/08/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 834984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/31/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 835116 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 835131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 02/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/24/2025 | 02/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 835167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835195 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/02/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 835223 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 03/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835225 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 02/19/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 02/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/27/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 03/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835267 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 835300 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 03/21/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835303 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835311 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 03/01/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/05/2025 | 03/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 835319 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 34.529% | xxxxxx | 04/04/2025 | 04/03/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 34.529% | 04/07/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 | Property Focused |
| xxxxxx | 835326 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/14/2025 | 03/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/19/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835339 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.542% | xxxxxx | 03/11/2025 | 03/11/2025 | AVM | xxxxxx | 0.07 | xxxxxx | $0.00 | 0.000% | 03/11/2025 | 03/11/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835429 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/11/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/21/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 02/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 | Mortgagor Focused |
| xxxxxx | 835435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/05/2025 | 03/05/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 835436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/16/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 835439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 835440 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/08/2025 | 03/05/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 | Property Focused |
| xxxxxx | 835444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/20/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/27/2025 | 02/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/03/2025 | 02/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 835473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/21/2025 | 02/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 02/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 | Mortgagor Focused |
| xxxxxx | 835476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/27/2025 | 02/21/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 835490 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/12/2025 | 04/01/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 835529 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835533 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835535 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835536 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/20/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835538 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/11/2025 | 02/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/13/2025 | 02/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835539 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/24/2025 | 01/23/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/28/2025 | 01/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 01/16/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/31/2025 | 01/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 02/13/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/03/2025 | 02/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/11/2025 | 03/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 835545 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/14/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -5.063% | 03/25/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/17/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 835548 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/17/2025 | 01/17/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 01/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/03/2025 | 02/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/27/2025 | 02/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835550 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/11/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/27/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835554 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835555 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/11/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 835556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/11/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 835561 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Mortgagor Focused |
| xxxxxx | 835564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/14/2025 | 03/12/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 835565 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/10/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 835571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/12/2025 | 03/12/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 835600 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/21/2023 | 11/20/2023 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/13/2023 | 11/20/2023 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 835673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/25/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/09/2025 | 05/09/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/09/2025 | 05/09/2025 | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835675 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/10/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Mortgagor Focused |
| xxxxxx | 835716 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 835734 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10.577% | xxxxxx | 04/04/2025 | 01/07/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 835736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 03/23/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/08/2025 | 03/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 | Property Focused |
| xxxxxx | 835739 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/21/2025 | 01/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 835749 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/17/2025 | 02/05/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/14/2025 | 02/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 | Property Focused |
| xxxxxx | 835814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/20/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/12/2025 | 04/11/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835824 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/20/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 03/30/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 835834 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/24/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 | Mortgagor Focused |
| xxxxxx | 835837 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/27/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 835838 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/15/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 2.222% | 04/14/2025 | 03/25/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 835859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/03/2025 | 04/16/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 835871 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/21/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/27/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.30 | Mortgagor Focused |
| xxxxxx | 835889 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/15/2025 | 04/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835916 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/20/2025 | 03/20/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 835946 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/16/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 835957 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/21/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836002 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 04/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/21/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 836007 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/12/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 1.667% | 05/13/2025 | 04/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836016 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 836079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.769% | xxxxxx | 05/14/2025 | 04/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836151 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/01/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/08/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 836164 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Mortgagor Focused |
| xxxxxx | 836180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/18/2025 | 02/17/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 836253 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.80 | Mortgagor Focused |
| xxxxxx | 836256 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/06/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/12/2025 | 04/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836329 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/23/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836335 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 836339 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/13/2025 | 04/01/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836377 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/12/2025 | 04/09/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836392 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/14/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836423 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 836429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/09/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -4.286% | 04/14/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/02/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 836526 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/29/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/05/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  | Mortgagor Focused |
| xxxxxx | 836539 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/07/2025 | 03/06/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 03/26/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.40 | Mortgagor Focused |
| xxxxxx | 836551 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/10/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 836593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/29/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/08/2025 | 03/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 836599 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/14/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 | Mortgagor Focused |
| xxxxxx | 836607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/22/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 | Mortgagor Focused |
| xxxxxx | 836612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/24/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | -1.613% | 04/02/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 836704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 03/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 836716 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  | Mortgagor Focused |
| xxxxxx | 836730 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/17/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/25/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 836824 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/20/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 836955 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837045 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 04/29/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 04/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837178 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/09/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 | Mortgagor Focused |
| xxxxxx | 837232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/14/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 03/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 | Mortgagor Focused |
| xxxxxx | 837242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/24/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/10/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/13/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 837247 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 02/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837248 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/08/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 | Mortgagor Focused |
| xxxxxx | 837254 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/09/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837262 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/03/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/02/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 837323 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/28/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/15/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 837365 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 04/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837431 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/09/2025 | 04/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 837761 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/06/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 | Mortgagor Focused |
| xxxxxx | 837770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/06/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 837773 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/28/2025 | Appraisal | xxxxxx |  | xxxxxx | xxxxxx | 0.368% | 04/23/2025 | 04/23/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 | Mortgagor Focused |
| xxxxxx | 837775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/15/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC SUPPLEMENTAL DATA**

![](tm2518320d1_ex99-2img001.jpg)

**Supplemental Data**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Scope** |
| xxxxxx | 821380 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2546.76 | $2546.76 | 8.125% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1202.52 | xxxxxx | $100.21 | xxxxxx |  | $208.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $249271.35 | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | Property Focused |
| xxxxxx | 822018 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9955.60 | $13691.80 | xxxxxx | 9.842% | $3189.19 | $3189.19 | 9.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $862751.98 | 1 | xxxxxx | $10758.96 | xxxxxx | $896.58 |  |  |  |  |  | 2.420% | 2.420% | 2.420% | 12/19/2024 | 710 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 86.010% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 86.01% \| 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: 86.01% \| 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: 86.01% \| 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: 86.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 86.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 86.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 1971<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 86.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 86.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9955.60 | xxxxxx | 6.870% | $0.00 | 4.2 |  |  |  | No | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $47049.14 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  | 1 | xxxxxx | 3.125% | xxxxxx | xxxxxx | $10741.51 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 31.58 |  |  | No | xxxxxx | $884150.77 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 822976 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1594.37 | $1594.37 | 6.625% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $2764.68 | xxxxxx | $230.39 | xxxxxx |  | $175.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/27/2024 | 739 |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LP | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | Yes | 1138.37 |  |  | 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 | 823448 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1360.00 | $4733.90 | xxxxxx | 7.276% | $4720.66 | $4720.66 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15600.62 | 1 | xxxxxx | $1532.04 | xxxxxx | $127.67 |  |  |  |  |  | 26.572% | 26.572% | 26.572% | 04/04/2025 | 813 |  |  |  |  |  |  |  |  |  | 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 | $1360.00 | xxxxxx | 6.850% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 824588 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1489.69 | $1489.69 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3144.60 | xxxxxx | $262.05 | xxxxxx |  | $517.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/18/2025 | 714 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 825549 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1295.00 | $1635.64 | xxxxxx | 7.467% | $1765.25 | $1765.25 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14025.76 | 1 | xxxxxx | $1773.00 | xxxxxx | $147.75 | xxxxxx | xxxxxx | $193.00 |  | Monthly | 45.547% | 45.547% | 45.547% | 06/19/2020 | 684 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - C-Corp]; Other - 2020<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; P&L Statement - 2020<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - xxxxxx \| Primary Income - C-Corp]; 1120 - 2018 | [Borrower]; 1040 - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 104.04 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1295.00 | xxxxxx | 2.670% | $0.00 | 2 |  |  |  | Yes |  | 7.375% | 0 |  | 2 | 0 | 3 | 0 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $337523.31 | 42.000% | No |  |  |  |  | Yes | Missing |  | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2117.61 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.18 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 825551 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 | $230.56 |  | 7.275% | $632.30 | $632.30 | 7.250% | No | Yes | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13156.79 | 1 | xxxxxx | $3665.40 | xxxxxx | $305.45 |  |  |  |  |  | 32.339% | 32.339% | 32.339% | 12/22/2021 | 704 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  | 2.400% | $0.00 | 3 |  |  |  | No | No | 7.250% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 11.77 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $86163.48 | 11.000% | No |  | 1 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.125% | xxxxxx | xxxxxx | $3101.76 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.5 |  |  | No | xxxxxx | $0.00 | $3120.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 826694 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4563.94 | $4563.94 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $4621.80 | xxxxxx | $385.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2025 | 727 |  |  |  |  |  |  |  |  |  | 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 | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $216500.41 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.56 |  |  | 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 | 826747 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4535.00 | $6113.84 | xxxxxx | 11.475% | $910.14 | $910.14 | 10.750% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6730.38 | 1 | xxxxxx | $11168.04 | xxxxxx | $930.67 |  |  |  |  |  | 49.350% | 49.350% | 49.350% | 12/09/2024 | 715 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 65.000% | 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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<br> [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]; Third Party Verification - 2007<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]; Account Statements - Business - 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 - 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]; 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]; 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 - 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 - 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 - 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 - 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 - 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 - 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 - 2007<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 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4535.00 | xxxxxx | 7.070% | $0.00 | 4.6 |  |  |  | Yes | No | 10.750% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $902.08 |  | No |  | 35 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $1719.32 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.39 |  |  | No | xxxxxx | $0.00 | $4615.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 827595 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12455.00 | $12845.36 | xxxxxx | 9.304% | $2084.76 | $2084.76 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8556.96 | 1 | xxxxxx | $2633.04 | xxxxxx | $219.42 |  |  |  |  |  | 49.675% | 49.675% | 49.675% | 11/26/2024 | 685 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 17.10000% \| 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: 17.10000% \| 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: 17.10000% \| 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: 17.10000% \| 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: 17.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 13.70000% \| 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: 13.70000% \| 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: 13.70000% \| 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: 13.70000% \| 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: 13.70000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 | $12455.00 | xxxxxx | 6.550% | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $4445.96 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 6.250% | xxxxxx | xxxxxx | $2375.26 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.85 |  | 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 | 827629 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8650.28 | $8650.28 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3699.96 | xxxxxx | $308.33 | xxxxxx |  | $105.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/22/2024 | 702 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $31765.40 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.49 |  |  | 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 | 828201 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1782.08 | $1782.08 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2180.04 | xxxxxx | $181.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2024 | 680 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 360 | xxxxxx | $994.79 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.03 |  |  | 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 | 828231 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $7864.72 | xxxxxx | 8.032% | $6897.39 | $6897.39 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $47064.35 | 1 | xxxxxx | $2660.04 | xxxxxx | $221.67 |  |  |  |  |  | 17.658% | 17.658% | 17.658% | 01/21/2025 | 689 |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - Year Not Available | [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 | $1790.00 | xxxxxx | 6.650% | $0.00 | 1.4 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $335814.37 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 828466 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2102.24 | $2102.24 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2075.04 | xxxxxx | $172.92 | xxxxxx |  | $1025.00 |  | Annually | 0.000% | 0.000% | 0.000% | 12/04/2024 | 679 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $103054.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.52 |  |  | 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 | 828633 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2392.73 | $2392.73 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4682.04 | xxxxxx | $390.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 702 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.17 |  |  | 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 | 828664 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11174.00 | $15746.31 | xxxxxx | 8.647% | $2907.40 | $2907.40 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $28702.69 | 1 | xxxxxx | $1490.04 | xxxxxx | $124.17 |  |  |  |  |  | 10.541% | 10.541% | 10.541% | 04/02/2025 | 738 |  |  |  |  |  |  |  |  |  | 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]; 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 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11174.00 | xxxxxx | 6.650% | $0.00 | 2.6 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $21500.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.43 |  |  | 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 | 829009 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1994.21 | $1994.21 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2009.04 | xxxxxx | $167.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/08/2025 | 675 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $3335.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 829100 | xxxxxx | N/A |  |  | xxxxxx | No | No | $60117.50 | $35470.22 | xxxxxx | 7.867% | $6817.35 | $6817.35 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34527.95 | 1 | xxxxxx | $2358.72 | xxxxxx | $196.56 |  |  |  |  |  | 38.020% | 38.020% | 38.020% | 01/02/2025 | 758 |  |  |  |  |  |  |  |  |  | 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]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $60117.50 | xxxxxx | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20669.75 | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.48 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 829112 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9371.61 | $10441.31 | xxxxxx | 9.179% | $1555.58 | $1555.58 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4784.14 | 1 | xxxxxx | $4028.64 | xxxxxx | $335.72 | xxxxxx | xxxxxx | $86.33 |  | Monthly | 43.862% | 43.862% | 43.862% | 11/13/2024 | 793 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9371.61 | xxxxxx | 6.780% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $86426.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.875% | xxxxxx | xxxxxx | $917.31 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.5 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 829284 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1590.00 | $2712.40 | xxxxxx | 8.448% | $2280.22 | $2280.22 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16033.80 | 1 | xxxxxx | $2955.96 | xxxxxx | $246.33 |  |  |  |  |  | 45.079% | 45.079% | 45.079% | 01/24/2025 | 804 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business License - 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%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2006 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 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 | $1590.00 | xxxxxx | 6.980% | $0.00 | 2.7 |  |  |  | No | No | 8.375% | 3 |  | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $37326.93 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.250% | xxxxxx | xxxxxx | $1750.69 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.23 |  | 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 | 829374 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4411.60 | $4411.60 | 9.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 6 | xxxxxx | $7215.48 | xxxxxx | $601.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/03/2025 | 733 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $126745.35 | 18.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.09 |  |  | 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 | 829378 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11130.00 | $12113.50 | xxxxxx | 9.443% | $2462.15 | $2462.15 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16240.29 | 1 | xxxxxx | $4578.00 | xxxxxx | $381.50 | xxxxxx | xxxxxx | $575.00 |  | Annually | 21.772% | 21.772% | 21.772% | 11/12/2024 | 711 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| 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: 30.00000% \| 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: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11130.00 | xxxxxx | 6.980% | $39000.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $65351.05 | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.07 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 829523 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10971.61 | $6908.97 | xxxxxx | 11.179% | $2204.48 | $2204.48 | 10.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13321.24 | 1 | xxxxxx | $4102.80 | xxxxxx | $341.90 |  |  |  |  |  | 43.152% | 43.152% | 43.152% | 01/06/2025 | 796 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; 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%)]; 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%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10971.61 | xxxxxx | 7.070% | $0.00 |  |  |  |  | No | No | 10.875% | 3 | 0 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 6.875% | xxxxxx | xxxxxx | $7226.22 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 22.32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 829632 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $3351.26 | $3979.07 | xxxxxx | 9.118% | $2987.17 | $2987.17 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $62199.98 | 1 | xxxxxx | $1020.96 | xxxxxx | $85.08 | xxxxxx |  | $500.00 |  | Annually | 5.544% | 5.544% | 5.544% | 01/17/2025 | 755 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; Account Statements - Business - 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 - 2023 | [Borrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3351.26 | xxxxxx | 6.920% | $5320.00 | 1 |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $111329.84 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.12 |  |  | 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 | 829726 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2477.28 | $2477.28 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $969.00 | xxxxxx | $80.75 | xxxxxx |  | $418.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/23/2025 | 722 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | xxxxxx | $68410.47 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 829903 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7345.00 | $9565.58 | xxxxxx | 10.238% | $2431.38 | $2431.38 | 9.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $20691.65 | 1 | xxxxxx | $1712.04 | xxxxxx | $142.67 |  |  |  |  |  | 33.347% | 33.347% | 33.347% | 12/16/2024 | 732 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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: 24]; Third Party Verification - 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: 24]; Other - 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: 24]; CPA Letter - Year Not Available | [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) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7345.00 | xxxxxx | 6.930% | $0.00 |  |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1889.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $1447.95 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 47.11 |  | 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 | 829906 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3410.70 | $3410.70 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1911.96 | xxxxxx | $159.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 724 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $178885.38 | 27.000% | 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 |  |  |  |  |  |  |  |  | 6.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830026 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2120.00 | $3144.95 | xxxxxx | 9.554% | $610.22 | $610.22 | 9.125% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2396.76 | 1 | xxxxxx | $3537.84 | xxxxxx | $294.82 | xxxxxx |  | $178.00 |  | Monthly | 42.971% | 42.971% | 42.971% | 01/22/2025 | 746 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Account Statements - 2024<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]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2013<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2120.00 | xxxxxx | 6.930% | $0.00 |  |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $3431.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $565.88 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.43 |  |  | 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 | 830027 | xxxxxx | N/A |  |  | xxxxxx | No | No | $26394.38 | $9705.48 | xxxxxx | 8.558% | $3562.84 | $3562.84 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5574.80 | 2 | xxxxxx | $2075.04 | xxxxxx | $172.92 |  |  |  |  |  | 48.554% | 48.554% | 48.554% | 01/28/2025 | 754 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 36.00000% \| 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: 36.00000% \| 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: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $26394.38 | xxxxxx | 6.650% | $0.00 |  |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $225693.05 | 36.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.02 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830112 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2390.00 | $4152.02 | xxxxxx | 10.901% | $2231.02 | $2231.02 | 10.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $61073.35 | 2 | xxxxxx | $2080.32 | xxxxxx | $173.36 |  |  |  |  |  | 37.156% | 37.156% | 37.156% | 11/26/2024 | 779 |  |  |  |  |  |  |  |  |  | No | Yes | 36 | 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]; Expense 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]; 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]; 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]; 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]; Account Statements - Business - 2024<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 - 2024<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 - 2024<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 - 2020<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 - Year Not Available<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 - Year Not Available<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 - Year Not Available<br> [Borrower - xxxxxx \| Non-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 \| Non-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> [Borrower - xxxxxx \| Non-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 \| Non-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 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2390.00 | xxxxxx | 6.850% | $0.00 |  |  |  |  | No | No | 10.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $70075.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.990% | xxxxxx | xxxxxx | $2211.87 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.38 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830129 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6285.00 | $6964.41 | xxxxxx | 9.923% | $4033.73 | $4033.73 | 9.750% | No | No | Not Employed | Employed | Employed |  | 25.61 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $23595.72 | 1 | xxxxxx | $4528.20 | xxxxxx | $377.35 |  |  |  |  |  | 46.379% | 46.379% | 46.379% | 01/27/2025 | 736 | 736 | 772 | 735 | 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 - 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]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<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]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<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]; Paystubs - 2024<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]; W-2 - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6285.00 | xxxxxx | 6.930% | $0.00 | 1.5 |  |  |  | Yes | No | 9.750% | 0 | 3 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20057.16 |  | No |  | 25 | 25 |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee | Individual | Individual |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $2449.45 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 61.97 |  | No | No | xxxxxx | $0.00 | $44004.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830226 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $500.00 | $1004.04 | xxxxxx | 8.547% | $2386.51 | $2386.51 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6118.08 | 1 | xxxxxx | $3812.04 | xxxxxx | $317.67 |  |  |  |  |  | 46.873% | 46.873% | 46.873% | 12/27/2024 | 772 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 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%)]; Other - 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%)]; P&L Statement - 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%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - Year Not Available | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 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 | $500.00 | xxxxxx | 6.670% | $0.00 | 2.4 |  |  |  | Yes | No | 8.500% | 2 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $2235.12 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.77 |  |  | 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 | 830431 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1200.00 | $1968.14 | xxxxxx | 9.474% | $2037.79 | $2037.79 | 9.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8076.40 | 1 | xxxxxx | $5869.68 | xxxxxx | $489.14 |  |  |  |  |  | 49.933% | 49.933% | 49.933% | 01/21/2025 | 724 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 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]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1200.00 | xxxxxx | 6.920% | $0.00 | 1.5 |  |  |  | No | No | 9.375% | 1 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2586.85 | No | Individual | No |  | No | 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 | 830444 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4929.46 | $4929.46 | 7.500% | No | No |  |  |  |  | 0 | 0 |  | Foreign National | xxxxxx | Foreign National |  |  |  |  |  | 1 | xxxxxx | $5217.00 | xxxxxx | $434.75 | xxxxxx | xxxxxx | $141.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/17/2025 | 781 |  |  |  | Level 2-Stated/Not Verified | 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 | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 105.18 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | Yes | Property Focused |
| xxxxxx | 830448 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1182.47 | $1182.47 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1585.08 | xxxxxx | $132.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2025 | 741 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.5 |  |  |  |  |  |  |  | xxxxxx | $14869.02 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 2.64 |  |  | 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 | 830513 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11046.20 | $6023.07 | xxxxxx | 7.841% | $3367.14 | $3367.14 | 7.750% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $11767.77 | 1 | xxxxxx | $2004.00 | xxxxxx | $167.00 |  |  |  |  |  | 45.513% | 45.513% | 45.513% | 01/17/2025 | 817 |  |  |  |  |  |  |  |  |  | No | 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 - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 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]; 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]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Auto Allowance]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Auto Allowance]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Housing Allowance]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Housing Allowance]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $11046.20 | xxxxxx | 6.920% | $0.00 | 1.4 |  |  |  | N/A | No | 7.750% | 0 | 3 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $686389.46 |  | No |  | 25 |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  | 1 | xxxxxx | 2.625% | xxxxxx | xxxxxx | $4473.38 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 115.42 |  | No | No | xxxxxx | $7932.71 | $12533.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830522 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1672.69 | $2437.50 | xxxxxx | 9.797% | $708.00 | $708.00 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7415.28 | 1 | xxxxxx | $5210.04 | xxxxxx | $434.17 |  |  |  |  |  | 25.772% | 25.772% | 25.772% | 01/30/2025 | 776 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| 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: 28.99100% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.99100% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 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 | $1672.69 | xxxxxx | 6.920% | $0.00 | 2.8 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1977.60 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.000% | xxxxxx | xxxxxx | $782.08 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830555 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6305.00 | $8289.93 | xxxxxx | 8.453% | $1844.35 | $1844.35 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23089.65 | 1 | xxxxxx | $1211.16 | xxxxxx | $100.93 |  |  |  |  |  | 34.090% | 34.090% | 34.090% | 02/20/2025 | 801 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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]; 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]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6305.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $722236.60 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.490% | xxxxxx | xxxxxx | $3433.61 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.64 |  |  | 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 | 830644 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7501.75 | $9663.27 | xxxxxx | 10.194% | $2115.84 | $2115.84 | 9.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46887.56 | 1 | xxxxxx | $13546.32 | xxxxxx | $1128.86 |  |  |  |  |  | 35.093% | 35.093% | 35.093% | 12/17/2024 | 766 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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]; Account Statements - Business - 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 - 2013<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 - 2013 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7501.75 | xxxxxx | 6.920% | $0.00 | 3.3 |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $86659.46 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $2207.29 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.65 |  | 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 | 830689 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1034.55 | $1034.55 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $809.04 | xxxxxx | $67.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 778 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.61 | 0.38 |  |  |  |  |  |  |  | xxxxxx | $34480.38 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830693 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $500.00 | $1371.78 | xxxxxx | 9.518% | $942.77 | $942.77 | 9.375% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3849.86 | 1 | xxxxxx | $3379.92 | xxxxxx | $281.66 |  |  |  |  |  | 41.001% | 41.001% | 41.001% | 02/03/2025 | 746 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Tax Return Extension - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $500.00 | xxxxxx | 6.850% | $0.00 | 3 |  |  |  | No | No | 9.375% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.625% | xxxxxx | xxxxxx | $1136.22 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 43.74 |  |  | No | xxxxxx | $3046.63 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830736 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3185.00 | $3654.75 | xxxxxx | 9.538% | $713.36 | $713.36 | 8.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3946.67 | 1 | xxxxxx | $2482.80 | xxxxxx | $206.90 | xxxxxx |  | $115.00 |  | Annually | 38.578% | 38.578% | 38.578% | 02/05/2025 | 744 |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<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 | $3185.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 8.875% | 3 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $793.53 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.09 |  |  | 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 | 830737 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1334.19 | $1334.19 | 7.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1236.00 | xxxxxx | $103.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 667 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830784 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1230.81 | $1230.81 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1814.28 | xxxxxx | $151.19 | xxxxxx |  | $625.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/04/2025 | 765 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.66 | 1.5 |  |  |  |  |  |  |  | xxxxxx | $75596.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.05 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830824 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2638.75 | $4834.65 | xxxxxx | 9.774% | $2932.46 | $2932.46 | 9.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21330.19 | 1 | xxxxxx | $2418.00 | xxxxxx | $201.50 |  |  |  |  |  | 32.353% | 32.353% | 32.353% | 12/09/2024 | 748 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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]; Account Statements - Business - 2024<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]; 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]; 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]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2638.75 | xxxxxx | 6.870% | $0.00 | 4.4 |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $66515.52 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.375% | xxxxxx | xxxxxx | $2696.14 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.54 |  |  | 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 | 830904 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2590.00 | $5001.40 |  | 8.200% | $3712.49 | $3712.49 | 8.125% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $934281.15 | 1 | xxxxxx | $10866.00 | xxxxxx | $905.50 | xxxxxx |  | $2000.00 |  | Annually | 2.036% | 2.036% | 2.036% | 01/27/2025 | 794 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 92.500% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| 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: 92.50% \| 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: 92.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1987<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| 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 | Yes | xxxxxx | xxxxxx | $2590.00 |  | 6.620% | $0.00 | 1.7 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $625303.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  | 1 | xxxxxx | 6.625% | xxxxxx | xxxxxx | $9572.65 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 75.04 |  | No | No | xxxxxx | $953700.11 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 830922 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2413.41 | $2413.41 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1590.96 | xxxxxx | $132.58 | xxxxxx |  | $69.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/11/2025 | 742 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.34 |  |  | 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 | 830928 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2882.15 | $2882.15 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3595.08 | xxxxxx | $299.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/24/2025 | 780 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $341321.92 | 64.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 58.09 |  |  | 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 | 830975 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1049.52 | $1049.52 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1339.20 | xxxxxx | $111.60 | xxxxxx |  | $160.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/06/2025 | 727 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 830991 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10386.20 | $12739.70 | xxxxxx | 9.872% | $3027.08 | $3027.08 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19310.45 | 1 | xxxxxx | $1967.04 | xxxxxx | $163.92 |  |  |  |  |  | 39.100% | 39.100% | 39.100% | 02/05/2025 | 798 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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]; Third Party Verification - 2016 | [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 | $10386.20 | xxxxxx | 6.850% | $0.00 | 1 |  |  |  | No | No | 9.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $22520.67 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $1671.12 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.97 |  | 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 | 831017 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2577.62 | $2577.62 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1983.00 | xxxxxx | $165.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 761 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.83 |  |  | 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 | 831030 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1197.22 | $1197.22 | 7.250% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 2 | xxxxxx | $1494.48 | xxxxxx | $124.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.44 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $20473.19 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831064 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5697.74 | $5697.74 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1662.12 | xxxxxx | $138.51 | xxxxxx |  | $252.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/30/2025 | 801 |  |  |  |  |  |  |  |  |  | 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 | 0.6 | 1.66 |  |  |  |  |  |  |  | xxxxxx | $27242.70 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | Property Focused |
| xxxxxx | 831072 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1825.00 | $3339.54 |  | 7.927% | $3625.35 | $3625.35 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $154608.97 | 1 | xxxxxx | $6806.04 | xxxxxx | $567.17 |  |  |  |  |  | 12.133% | 12.133% | 12.133% | 02/12/2025 | 803 |  |  |  |  |  |  |  |  |  | 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 - 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 - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1825.00 |  | 6.620% | $0.00 | 5 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $19475.13 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $9513.24 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.58 |  | 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 | 831074 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $0.00 | $4.00 | xxxxxx | 8.106% | $4910.13 | $4910.13 | 8.125% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $12454.52 | 1 | xxxxxx | $2568.00 | xxxxxx | $214.00 | xxxxxx | xxxxxx | $1425.00 |  | Annually | 40.767% | 40.767% | 40.767% | 01/17/2025 | 756 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| 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: 23.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.870% | $0.00 | 1.7 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $115281.49 | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 14.84 |  |  | No | xxxxxx | $21026.43 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831088 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2115.37 | $2115.37 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2161.80 | xxxxxx | $180.15 | xxxxxx |  | $894.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/29/2025 | 806 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.63 | 1.58 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 77.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831155 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2405.96 | $2405.96 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2775.96 | xxxxxx | $231.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 794 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.8 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 831167 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2146.12 | $2146.12 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1221.00 | xxxxxx | $101.75 | xxxxxx |  | $550.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/08/2025 | 798 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $107169.82 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831313 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1425.50 | $7867.46 | xxxxxx | 7.019% | $2713.12 | $2713.12 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18238.52 | 1 | xxxxxx | $4635.96 | xxxxxx | $386.33 | xxxxxx | xxxxxx | $420.00 |  | Annually | 22.662% | 22.662% | 22.662% | 01/28/2025 | 716 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 4506-C (for Business) - 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]; 4506-C (for Business) - 2023<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]; 4506-C (for Business) - 2022<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]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 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 | [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<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 | $1425.50 | xxxxxx | 6.650% | $0.00 | 1.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1459.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.87 |  |  | No | xxxxxx | $11791.36 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831317 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1099.86 | $1099.86 | 7.500% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $522.60 | xxxxxx | $43.55 | xxxxxx | xxxxxx | $342.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.65 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | Property Focused |
| xxxxxx | 831327 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2356.48 | $2356.48 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3266.04 | xxxxxx | $272.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2024 | 769 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.5 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 47.75 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831385 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26779.60 | $16523.85 | xxxxxx | 7.959% | $4585.04 | $4585.04 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8964.78 | 1 | xxxxxx | $1485.96 | xxxxxx | $123.83 |  |  |  |  |  | 45.033% | 45.033% | 45.033% | 01/21/2025 | 755 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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]; 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 | [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 | $26779.60 | xxxxxx | 6.880% | $0.00 | 1.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $324871.52 | 41.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.48 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831388 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2233.56 | $2233.56 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1410.96 | xxxxxx | $117.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 797 |  |  |  |  |  |  |  |  |  | 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 | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $778795.78 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 110.48 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831431 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4850.00 | $6128.95 | xxxxxx | 9.696% | $3027.08 | $3027.08 | 9.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $208407.45 | 1 | xxxxxx | $5380.56 | xxxxxx | $448.38 | xxxxxx | xxxxxx | $1045.00 |  | Monthly | 10.372% | 10.372% | 10.372% | 02/17/2025 | 688 |  |  |  |  |  |  |  |  |  | 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 - 2017 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4850.00 | xxxxxx | 6.880% | $0.00 | 1.8 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $123501.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.375% | xxxxxx | xxxxxx | $6890.14 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.02 |  | 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 | 831465 | xxxxxx | N/A |  |  | xxxxxx | No | No | $26363.00 | $16952.57 | xxxxxx | 7.538% | $3458.64 | $3458.64 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37558.85 | 1 | xxxxxx | $1313.52 | xxxxxx | $109.46 |  |  |  |  |  | 43.675% | 43.675% | 43.675% | 02/24/2025 | 786 |  |  |  |  |  |  |  |  |  | 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 | $26363.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $19516.48 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.05 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831474 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3166.85 | $3166.85 | 7.990% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $450.00 | xxxxxx | $37.50 | xxxxxx |  | $3200.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/17/2025 | 747 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.37 |  |  |  |  |  |  |  | xxxxxx | $30000.00 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 19.71 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831495 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6167.50 | $7854.96 | xxxxxx | 8.561% | $3327.22 | $3327.22 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7528.21 | 1 | xxxxxx | $1773.60 | xxxxxx | $147.80 |  |  |  |  |  | 39.636% | 39.636% | 39.636% | 12/18/2024 | 725 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 35.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6167.50 | xxxxxx | 6.880% | $30226.85 | 2.6 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $8547.95 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.27 |  | 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 | 831528 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6125.00 | $7743.73 | xxxxxx | 8.636% | $1615.22 | $1615.22 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11624.47 | 1 | xxxxxx | $2568.96 | xxxxxx | $214.08 |  |  |  |  |  | 44.334% | 44.334% | 44.334% | 02/06/2025 | 801 |  |  |  |  |  |  |  |  |  | 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<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]; 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: 24]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6125.00 | xxxxxx | 6.850% | $0.00 | 2.6 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1878.21 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $4702.37 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.27 |  | 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 | 831544 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1322.78 | $1322.78 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1752.00 | xxxxxx | $146.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/13/2024 | 729 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  | LP / LPA |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $284468.81 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 136.25 |  |  | 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 | 831583 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3571.60 | $3571.60 | 8.000% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 1 | xxxxxx | $2395.80 | xxxxxx | $199.65 | xxxxxx |  | $496.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | xxxxxx | $452168.06 | 51.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831592 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4551.00 | $6195.30 | xxxxxx | 8.154% | $1450.14 | $1450.14 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17034.02 | 1 | xxxxxx | $3492.00 | xxxxxx | $291.00 |  |  |  |  |  | 34.544% | 34.544% | 34.544% |  | 793 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 90.000% | 100.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 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]; 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 \| 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]; 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 - 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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4551.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | No | No | 7.875% | 2 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23104.55 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.000% | xxxxxx | xxxxxx | $2150.18 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.19 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831611 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1985.00 | $2875.48 |  | 8.806% | $3933.46 | $3933.46 | 8.750% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13165.10 | 1 | xxxxxx | $1185.00 | xxxxxx | $98.75 | xxxxxx |  | $364.00 |  | Monthly | 30.213% | 30.213% | 30.213% | 02/05/2025 | 698 |  |  |  |  |  |  |  |  |  | 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]; 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<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 | Chapter 11 |  | xxxxxx | 1 | 39.72 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1985.00 |  | 6.620% | $2500.05 | 1 |  |  |  | No | No | 8.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $295201.90 | 47.000% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 28.88 |  |  | No | xxxxxx | $0.00 | $5364.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831670 | xxxxxx | N/A |  |  | xxxxxx | No | No | $6000.00 | $7431.99 | xxxxxx | 9.554% | $954.77 | $954.77 | 8.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6664.24 | 1 | xxxxxx | $1287.96 | xxxxxx | $107.33 |  |  |  |  |  | 44.490% | 44.490% | 44.490% | 02/25/2025 | 783 |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<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 | [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 4506-C - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6000.00 | xxxxxx | 6.770% | $0.00 | 2.5 |  |  |  | N/A | No | 8.875% | 2 |  | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3605.44 |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 5.125% | xxxxxx | xxxxxx | $2123.50 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.44 |  | 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 | 831707 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1514.48 | $1514.48 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $1050.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/15/2025 | 771 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $12568.96 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.42 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 831717 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1663.26 | $1663.26 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $6090.36 | xxxxxx | $507.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2025 | 668 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | xxxxxx | $215.70 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.02 |  |  | 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 | 831723 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $12218.75 | $12218.75 | 8.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2837.52 | xxxxxx | $236.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 767 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  | 240 | xxxxxx | $34403.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.15 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 831796 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2072.03 | $2072.03 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1181.04 | xxxxxx | $98.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 779 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $216405.17 | 54.000% | 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 |  |  |  |  |  |  |  |  | 42.22 |  |  | 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 | 831808 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5995.00 | $8617.50 | xxxxxx | 8.276% | $3712.49 | $3712.49 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $108020.87 | 1 | xxxxxx | $4967.04 | xxxxxx | $413.92 | xxxxxx |  | $575.00 |  | Monthly | 18.051% | 18.051% | 18.051% | 02/19/2025 | 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]; 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 | $5995.00 | xxxxxx | 6.730% | $0.00 | 2.6 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $39662.66 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.990% | xxxxxx | xxxxxx | $6650.00 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.69 |  | 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 | 831811 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1090.77 | $1090.77 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1589.04 | xxxxxx | $132.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/20/2024 | 800 |  |  |  |  |  |  |  |  |  | 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 | 1.77 | 0.57 |  |  |  |  |  |  |  | xxxxxx | $384501.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 393.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831816 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1395.00 | $3842.90 | xxxxxx | 8.672% | $3577.83 | $3577.83 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $62975.36 | 1 | xxxxxx | $13707.00 | xxxxxx | $1142.25 | xxxxxx |  | $250.00 |  | Annually | 31.183% | 31.183% | 31.183% | 03/24/2025 | 752 |  |  |  |  |  |  |  |  |  | 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]; 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<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]; 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: 24]; 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: 24]; 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: 24]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1395.00 | xxxxxx | 6.650% | $0.00 | 3.4 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $651911.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 7.625% | xxxxxx | xxxxxx | $21163.03 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831818 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3040.29 | $3040.29 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2586.00 | xxxxxx | $215.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 683 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $20137.35 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.87 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831828 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1263.94 | $1263.94 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1086.96 | xxxxxx | $90.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 783 |  |  |  |  |  |  |  |  |  | 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 | 1.45 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $32478.90 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.88 |  |  | 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 | 831892 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1807.78 | $1807.78 | 7.500% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 4 | xxxxxx | $2820.96 | xxxxxx | $235.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2024 | 706 |  |  |  |  |  |  |  |  |  | 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 | 1.61 | 0.62 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.03 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 831898 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3918.58 | $3918.58 | 6.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $2799.96 | xxxxxx | $233.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 798 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | 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 | 2.1 | 0.48 |  |  |  |  |  |  |  | xxxxxx | $993908.84 |  | 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 | 225.91 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 831919 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3375.00 | $4383.56 | xxxxxx | 8.172% | $1797.72 | $1797.72 | 8.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9882.42 | 1 | xxxxxx | $1526.16 | xxxxxx | $127.18 | xxxxxx | xxxxxx | $42.00 |  | Monthly | 39.854% | 39.854% | 39.854% | 02/27/2025 | 805 |  |  |  |  |  |  |  |  |  | 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]; 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]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [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]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3375.00 | xxxxxx | 6.850% | $0.00 | 1 |  |  |  | No | No | 8.000% | 3 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.625% | xxxxxx | xxxxxx | $2048.42 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.26 |  | 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 | 831938 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $28473.00 | $34883.90 | xxxxxx | 7.473% | $8802.80 | $8802.80 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9792.90 | 1 | xxxxxx | $2025.00 | xxxxxx | $168.75 | xxxxxx | xxxxxx | $204.00 |  | Monthly | 51.984% | 51.984% | 51.984% | 01/13/2025 | 742 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 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]; 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]; 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<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| 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: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28473.00 | xxxxxx | 6.980% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $201884.80 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 19.43 |  |  | No | xxxxxx | $16942.14 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831949 | xxxxxx | N/A |  |  | xxxxxx | No | No | $38139.00 | $13294.00 |  | 7.505% | $5904.55 | $5904.55 | 7.375% | No | No | Not Employed | Not Employed | Self-Employed | Not Employed | 11.38 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  | $110206.06 | 1 | xxxxxx | $3429.72 | xxxxxx | $285.81 | xxxxxx | xxxxxx | $665.01 |  | Monthly | 18.659% | 18.659% | 18.659% | 03/25/2025 | 771 |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 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]; 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]; Other - 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]; Third Party Verification - 2013 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38139.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $61233.55 |  | No |  |  |  |  | Yes | Preliminary | 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 | 43.17 |  | No | No | xxxxxx | $135487.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831956 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1270.74 | $1270.74 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2910.00 | xxxxxx | $242.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/31/2025 | 745 |  |  |  |  |  |  |  |  |  | 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 | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $168674.22 | 71.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 100.86 |  |  | 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 | 831964 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25284.00 | $29974.16 | xxxxxx | 7.359% | $13775.00 | $18020.57 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $32636.14 | 1 | xxxxxx | $12424.92 | xxxxxx | $1035.41 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 39.464% | 31.588% | 39.464% | 02/03/2025 | 786 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; VVOE - 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 - No Results Returned - 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 \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25284.00 | xxxxxx | 6.850% | $0.00 | 5 |  |  |  | N/A | No | 7.250% | 0 | 3 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  | 240 | xxxxxx | $292539.55 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.91 |  |  | No | xxxxxx | $0.00 | $12942.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831967 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1286.76 | $1286.76 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1413.00 | xxxxxx | $117.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 799 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $302125.14 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832159 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11818.82 | $6083.42 | xxxxxx | 8.427% | $2287.61 | $2287.61 | 8.250% | No | No | Not Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10716.89 | 1 | xxxxxx | $2600.76 | xxxxxx | $216.73 | xxxxxx | xxxxxx | $612.36 |  | Monthly | 39.850% | 39.850% | 39.850% | 02/28/2025 | 718 |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11818.82 | xxxxxx | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $1092601.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 357.23 |  | No | No | xxxxxx | $17816.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832166 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14195.00 | $18316.16 | xxxxxx | 9.018% | $4708.40 | $4708.40 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $88257.77 | 1 | xxxxxx | $3921.00 | xxxxxx | $326.75 | xxxxxx | xxxxxx | $600.00 |  | Annually | 11.897% | 11.897% | 11.897% | 02/27/2025 | 730 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 | $14195.00 | xxxxxx | 6.850% | ($5000.00) | 2.9 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2500.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 22.54 |  | 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 | 832167 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1790.72 | $1790.72 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $569.04 | xxxxxx | $47.42 | xxxxxx |  | $100.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/20/2025 | 716 |  |  |  |  |  |  |  |  |  | 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 | 1.13 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832171 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1657.01 | $1657.01 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3738.48 | xxxxxx | $311.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 798 |  |  |  |  |  |  |  |  |  | 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 | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $353860.81 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 166.07 |  |  | 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 | 832293 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1590.00 | $2503.29 | xxxxxx | 8.301% | $3756.33 | $3756.33 | 8.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $68861.73 | 1 | xxxxxx | $24887.64 | xxxxxx | $2073.97 |  |  |  |  |  | 39.380% | 39.380% | 39.380% | 02/28/2025 | 786 |  |  |  |  |  |  |  |  |  | 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]; Expense 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]; Other - 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]; Other - 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]; Other - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 | xxxxxx | 6.660% | $0.00 |  |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $56043.66 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  | 1 | xxxxxx | 3.750% | xxxxxx | xxxxxx | $13893.47 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.52 |  | No | No | xxxxxx | $113594.99 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832311 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2595.00 | $5355.90 | xxxxxx | 9.704% | $813.63 | $813.63 | 9.125% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6326.25 | 1 | xxxxxx | $11870.88 | xxxxxx | $989.24 |  |  |  |  |  | 44.004% | 44.004% | 44.004% | 03/13/2025 | 703 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; 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 - 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%)]; 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%)]; Business Return Transcripts - 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%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 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]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2595.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 9.125% | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $1710.66 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 8.46 |  |  | No | xxxxxx | $6061.12 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832319 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3165.60 | $4891.13 | xxxxxx | 9.457% | $1070.04 | $1070.04 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5345.61 | 1 | xxxxxx | $7104.60 | xxxxxx | $592.05 | xxxxxx | xxxxxx | $125.00 |  | Monthly | 48.820% | 48.820% | 48.820% | 01/15/2025 | 749 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 70.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3165.60 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $7829.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.500% | xxxxxx | xxxxxx | $2244.62 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.3 |  |  | 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 | 832358 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3361.50 | $4288.17 | xxxxxx | 8.600% | $550.32 | $550.32 | 8.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2676.97 | 2 | xxxxxx | $1422.84 | xxxxxx | $118.57 |  |  |  |  |  | 42.223% | 42.223% | 42.223% | 02/05/2025 | 698 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [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]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<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 | Chapter 7 |  | xxxxxx | 1 | 82.44 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3361.50 | xxxxxx | 6.620% | $0.00 |  |  |  |  | No | No | 8.000% | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.125% | xxxxxx | xxxxxx | $457.66 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.79 |  |  | 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 | 832399 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1791.56 | $1791.56 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1806.60 | xxxxxx | $150.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 709 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 360 | xxxxxx | $36068.80 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832424 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4374.46 | $4374.46 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1460.04 | xxxxxx | $121.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/24/2025 | 729 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | xxxxxx | $215168.84 | 25.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.57 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832446 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1191.08 | $1191.08 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2172.00 | xxxxxx | $181.00 | xxxxxx |  | $950.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/04/2025 | 780 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $52132.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832455 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3177.11 | $3177.11 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1898.28 | xxxxxx | $158.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 813 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 117.03 |  |  | 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 | 832457 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5525.40 | $5525.40 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $1740.36 | xxxxxx | $145.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 813 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 121.42 |  |  | 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 | 832532 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2793.51 | $2793.51 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1956.72 | xxxxxx | $163.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/23/2024 | 766 |  |  |  |  |  |  |  |  |  | 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 | 1 |  |  |  |  |  |  |  | xxxxxx | $40468.73 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 11.88 |  |  | 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 | 832545 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2087.12 | $2087.12 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $728.04 | xxxxxx | $60.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2025 | 708 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 41.76 |  |  | 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 | 832615 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4405.52 | $4405.52 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 6 | xxxxxx | $4290.00 | xxxxxx | $357.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/23/2024 | 804 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $277633.68 | 35.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832624 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3380.00 | $3840.84 |  | 7.486% | $2500.24 | $2500.24 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $20434.73 | 1 | xxxxxx | $1304.16 | xxxxxx | $108.68 |  |  |  |  |  | 18.261% | 18.261% | 18.261% | 02/27/2025 | 765 |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3380.00 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 61.21 |  |  | 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 | 832646 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15477.00 | $19715.50 | xxxxxx | 8.150% | $4708.24 | $4708.24 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13857.04 | 1 | xxxxxx | $1488.96 | xxxxxx | $124.08 | xxxxxx | xxxxxx | $122.00 |  | Monthly | 37.600% | 37.600% | 37.600% | 02/28/2025 | 650 |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - Year Not Available<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]; 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 | $15477.00 | xxxxxx | 6.650% | $0.00 | 4 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $15660.98 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.82 |  |  | 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 | 832668 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2046.53 | $2046.53 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $792.96 | xxxxxx | $66.08 | xxxxxx |  | $262.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/09/2025 | 689 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.45 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832671 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5737.50 | $5737.50 | xxxxxx | 7.987% | $1644.17 | $1644.17 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5144.76 | 1 | xxxxxx | $444.00 | xxxxxx | $37.00 |  |  |  |  |  | 37.956% | 37.956% | 37.956% | 03/04/2025 | 756 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5737.50 | xxxxxx | 6.730% | $493.73 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $55931.54 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.19 |  | 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 | 832702 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10548.44 | $10548.44 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $4076.04 | xxxxxx | $339.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/31/2025 | 791 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.12 |  |  | 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 | 832710 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2037.49 | $2037.49 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $738.00 | xxxxxx | $61.50 | xxxxxx |  | $80.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/03/2025 | 817 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $230272.71 | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832711 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1667.66 | $1667.66 | 7.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2250.00 | xxxxxx | $187.50 | xxxxxx |  | $930.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/11/2025 | 649 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $215026.62 | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832724 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2170.00 | $2170.00 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $770.04 | xxxxxx | $64.17 | xxxxxx |  | $224.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/17/2025 | 764 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  | 240 | xxxxxx | $185586.95 | 39.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832746 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1423.87 | $1423.87 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $984.00 | xxxxxx | $82.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 761 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $238579.19 | 90.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.6 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832749 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15105.00 | $23754.22 | xxxxxx | 7.489% | $5798.50 | $5798.50 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13080.91 | 4 | xxxxxx | $3860.04 | xxxxxx | $321.67 |  |  |  |  |  | 39.309% | 39.309% | 39.309% | 02/26/2025 | 775 |  |  |  |  |  |  |  |  |  | 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 | $15105.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1096131.18 | 58.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.43 |  |  | No | xxxxxx | $5652.71 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832761 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2503.59 | $2503.59 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1574.04 | xxxxxx | $131.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 687 |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.26 |  |  | 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 | 832768 | xxxxxx | N/A |  |  | xxxxxx | No | No | $153445.00 | $73132.67 | xxxxxx | 8.124% | $13755.12 | $13755.12 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $1095205.42 | 1 | xxxxxx | $1532.04 | xxxxxx | $127.67 |  |  |  |  |  | 3.093% | 3.093% | 3.093% | 04/01/2025 | 701 |  |  |  |  |  |  |  |  |  | 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 - 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]; Other - 2015<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 - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $153445.00 | xxxxxx | 6.620% | $0.00 | 3.5 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $72000.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 402.79 |  | Yes | No | xxxxxx | $1130164.59 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832778 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19590.00 | $8563.53 |  | 7.535% | $3108.04 | $3108.04 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $65663.50 | 1 | xxxxxx | $701.64 | xxxxxx | $58.47 | xxxxxx |  | $1118.00 |  | Monthly | 21.104% | 21.104% | 21.104% | 03/07/2025 | 802 |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19590.00 |  | 6.620% | $2150.00 | 2.6 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $211832.89 | 35.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.58 |  | No | No | xxxxxx | $83227.92 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832799 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18995.86 | $8252.87 | xxxxxx | 8.787% | $4312.07 | $4312.07 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12059.06 | 1 | xxxxxx | $2592.00 | xxxxxx | $216.00 | xxxxxx |  | $45.00 |  | Monthly | 39.725% | 39.725% | 39.725% | 03/03/2025 | 761 |  |  |  |  |  |  |  |  |  | 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 - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - 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]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<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 - 2024<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 - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # 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 | $18995.86 | xxxxxx | 6.730% | $5000.00 | 2.5 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $136900.28 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832802 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1795.76 | $1795.76 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1778.04 | xxxxxx | $148.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/20/2024 | 686 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 70.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832808 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1153.70 | $1153.70 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1826.04 | xxxxxx | $152.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/01/2025 | 769 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $110419.10 | 50.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.21 |  |  | 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 | 832864 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27895.00 | $30101.56 | xxxxxx | 7.684% | $11084.30 | $11084.30 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $35769.06 | 1 | xxxxxx | $1199.16 | xxxxxx | $99.93 |  |  |  |  |  | 34.643% | 34.643% | 34.643% | 03/06/2025 | 781 |  |  |  |  |  |  |  |  |  | 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # 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: 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: 30.00000% \| 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 |  | xxxxxx | xxxxxx | $27895.00 | xxxxxx | 6.730% | $10000.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $443390.57 | 23.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.71 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832931 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2478.14 | $2478.14 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1968.96 | xxxxxx | $164.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 799 |  |  |  |  |  |  |  |  |  | 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 | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.07 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 832953 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7330.00 | $10761.67 | xxxxxx | 7.318% | $3018.26 | $3018.26 | 7.125% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6205.89 | 1 | xxxxxx | $531.96 | xxxxxx | $44.33 | xxxxxx |  | $56.00 |  | Monthly | 48.374% | 48.374% | 48.374% | 02/03/2025 | 732 |  |  |  |  |  |  |  |  |  | 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 | $7330.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $115147.09 | 21.000% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 37.42 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832957 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1684.30 | $1684.30 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1560.96 | xxxxxx | $130.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 728 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $411795.11 | 65.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.28 |  |  | 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 | 832993 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7905.00 | $8667.11 | xxxxxx | 8.377% | $1592.27 | $1592.27 | 8.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5866.48 | 1 | xxxxxx | $1278.00 | xxxxxx | $106.50 |  |  |  |  |  | 37.715% | 37.715% | 37.715% | 03/06/2025 | 622 |  |  |  |  |  |  |  |  |  | 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 | Full Documentation (F) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $7905.00 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 832994 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5060.57 | $5060.57 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1947.96 | xxxxxx | $162.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 771 |  |  |  |  |  |  |  |  |  | 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 | 2.46 | 0.41 |  |  |  |  |  |  |  | xxxxxx | $470445.05 | 49.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.02 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 832997 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4337.50 | $3327.58 | xxxxxx | 9.011% | $983.38 | $983.38 | 8.750% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19062.13 | 1 | xxxxxx | $4230.84 | xxxxxx | $352.57 |  |  |  |  |  | 47.376% | 47.376% | 47.376% | 01/21/2025 | 753 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Trust Income]; Trustee's Statement - 2025 | [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 4506-C - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4337.50 | xxxxxx | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 5.375% | xxxxxx | xxxxxx | $6719.15 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.52 |  | 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 | 833015 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3854.42 | $3854.42 | 7.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 3 | xxxxxx | $3900.00 | xxxxxx | $325.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/23/2024 | 729 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $51450.00 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833030 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13465.00 | $16216.43 | xxxxxx | 9.062% | $4012.17 | $4012.17 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7312.33 | 1 | xxxxxx | $3045.96 | xxxxxx | $253.83 | xxxxxx |  | $220.00 |  | Monthly | 49.952% | 49.952% | 49.952% | 02/12/2025 | 700 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 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]; 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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13465.00 | xxxxxx | 6.620% | $0.00 | 2.6 |  |  |  | N/A | No | 8.750% | 2 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $11031.87 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833042 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4319.05 | $4319.05 | 9.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1564.44 | xxxxxx | $130.37 | xxxxxx |  | $280.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/06/2025 | 712 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.66 | 1.51 |  |  |  |  |  |  |  | xxxxxx | $155168.24 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.03 |  |  | 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 | 833053 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25352.40 | $31187.38 | xxxxxx | 8.856% | $6458.87 | $6458.87 | 8.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $266040.43 | 1 | xxxxxx | $2307.00 | xxxxxx | $192.25 |  |  |  |  |  | 3.021% | 3.021% | 3.021% | 02/21/2025 | 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<br> [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 - 2018<br> [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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25352.40 | xxxxxx | 6.620% | $0.00 | 2 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $50810.05 | 5.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.81 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833064 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2182.13 | $2182.13 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1967.76 | xxxxxx | $163.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 735 |  |  |  |  |  |  |  |  |  | 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 | 0.94 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $79446.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 30.48 |  |  | 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 | 833081 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1328.97 | $1328.97 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $950.04 | xxxxxx | $79.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/13/2025 | 757 |  |  |  |  |  |  |  |  |  | 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 | 1.59 | 0.63 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 155.48 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833124 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19255.25 | $19857.74 | xxxxxx | 7.063% | $5577.34 | $7474.67 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $183982.93 | 1 | xxxxxx | $30996.00 | xxxxxx | $2583.00 | xxxxxx |  | $10000.00 |  | Annually | 16.284% | 15.421% | 16.284% | 03/06/2025 | 765 |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19255.25 | xxxxxx | 6.620% | $0.00 | 2.3 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | xxxxxx | $14173431.96 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 963.26 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833128 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $3704.00 | $4932.92 | xxxxxx | 8.292% | $3656.46 | $4449.08 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13991.54 | 1 | xxxxxx | $5495.04 | xxxxxx | $457.92 |  |  |  |  |  | 48.923% | 46.029% | 48.923% | 03/02/2025 | 804 |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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 - 2023<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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3704.00 | xxxxxx | 6.680% | $12500.00 | 1 |  |  |  | Yes | No | 9.352% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $1629838.21 | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 251.87 |  | 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 | 833136 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2660.60 | $2660.60 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3482.04 | xxxxxx | $290.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 731 |  |  |  |  |  |  |  |  |  | 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 | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.53 |  |  | 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 | 833164 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20990.00 | $26293.33 | xxxxxx | 7.155% | $9420.68 | $9420.68 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $40500.10 | 1 | xxxxxx | $7176.00 | xxxxxx | $598.00 |  |  |  |  |  | 43.305% | 43.305% | 43.305% | 03/12/2025 | 728 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 - 2020 | [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 | $20990.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.86 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833179 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2132.46 | $2132.46 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1841.04 | xxxxxx | $153.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 758 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $134015.82 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833182 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2993.86 | $2993.86 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1722.96 | xxxxxx | $143.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2025 | 784 |  |  |  |  |  |  |  |  |  | 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 | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.19 |  |  | 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 | 833185 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2397.79 | $2397.79 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $366.00 | xxxxxx | $30.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/13/2025 | 774 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833190 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1558.20 | $1558.20 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2049.60 | xxxxxx | $170.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 666 |  |  |  |  |  |  |  |  |  | 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 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 43.56 |  |  | 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 | 833210 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2568.50 | $4283.76 | xxxxxx | 8.181% | $4580.61 | $4580.61 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10587.67 | 1 | xxxxxx | $4161.96 | xxxxxx | $346.83 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 44.279% | 44.279% | 44.279% | 03/11/2025 | 702 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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: 12]; Other - Year Not Available | [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 | $2568.50 | xxxxxx | 6.650% | $0.00 | 3.3 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4999.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.26 |  |  | 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 | 833239 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $25549.00 | $30907.22 | xxxxxx | 8.042% | $6820.24 | $6820.24 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $347466.88 | 1 | xxxxxx | $2354.76 | xxxxxx | $196.23 | xxxxxx |  | $700.00 |  | Annually | 3.572% | 3.572% | 3.572% | 03/11/2025 | 696 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; Third Party Verification - 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<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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25549.00 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $37350.02 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 121.68 |  | No | No | xxxxxx | $180168.11 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833248 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9640.00 | $10826.55 | xxxxxx | 6.970% | $2918.69 | $2918.69 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $289329.33 | 1 | xxxxxx | $3033.84 | xxxxxx | $252.82 | xxxxxx | xxxxxx | $375.00 |  | Annually | 1.811% | 1.811% | 1.811% | 01/31/2025 | 802 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 97.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 97.00% \| 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: 97.00% \| 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: 97.00% \| 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: 97.00% \| 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: 97.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 97.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 97.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 97.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025 | [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 | $9640.00 | xxxxxx | 6.620% | $0.00 | 4.4 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $529691.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 210.08 |  | 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 | 833265 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9781.00 | $3108.14 | xxxxxx | 10.565% | $1665.95 | $1665.95 | 10.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24403.49 | 1 | xxxxxx | $1023.96 | xxxxxx | $85.33 |  |  |  |  |  | 33.108% | 33.108% | 33.108% | 01/15/2025 | 740 |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9781.00 | xxxxxx | 6.620% | $0.00 | 1.6 |  |  |  | No | No | 10.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $66938.56 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $2997.76 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.37 |  | 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 | 833277 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6079.50 | $4745.47 | xxxxxx | 8.245% | $3073.94 | $3073.94 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15620.82 | 1 | xxxxxx | $1137.96 | xxxxxx | $94.83 | xxxxxx | xxxxxx | $351.00 |  | Monthly | 36.008% | 36.008% | 36.008% | 02/25/2025 | 785 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 56.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6079.50 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 2 |  | 2 | 0 | 4 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $90943.59 | 20.000% | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.61 |  | 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 | 833286 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6775.00 | $7144.52 | xxxxxx | 7.015% | $3287.93 | $3287.93 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5864.02 | 1 | xxxxxx | $1083.00 | xxxxxx | $90.25 |  |  |  |  |  | 41.646% | 41.646% | 41.646% | 02/11/2025 | 737 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 45.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6775.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $15097.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.01 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833291 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5079.00 | $5565.79 | xxxxxx | 9.004% | $2470.28 | $2470.28 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26021.25 | 1 | xxxxxx | $1749.00 | xxxxxx | $145.75 |  |  |  |  |  | 33.368% | 33.368% | 33.368% | 03/12/2025 | 742 |  |  |  |  |  |  |  |  |  | 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 - 2025<br> [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]; 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]; 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]; 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]; Other - 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]; 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 | $5079.00 | xxxxxx | 6.030% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $35325.98 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $4337.94 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.93 |  |  | 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 | 833292 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1509.32 | $1509.32 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2424.00 | xxxxxx | $202.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/17/2025 | 800 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $90477.38 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.99 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833296 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4429.52 | $4429.52 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $12036.24 | xxxxxx | $1003.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 694 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833443 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1755.21 | $1755.21 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1332.96 | xxxxxx | $111.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 807 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $171224.55 | 47.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833455 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5150.00 | $2238.00 | xxxxxx | 8.358% | $1502.53 | $1502.53 | 8.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10993.17 | 1 | xxxxxx | $1572.00 | xxxxxx | $131.00 |  |  |  |  |  | 35.315% | 35.315% | 35.315% | 02/26/2025 | 792 |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5150.00 | xxxxxx | 6.620% | $0.00 | 1.3 |  |  |  | No | No | 8.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $2083.66 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.73 |  |  | 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 | 833460 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $29143.00 | $51539.67 | xxxxxx | 7.224% | $24523.35 | $24523.35 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $59510.89 | 1 | xxxxxx | $4810.68 | xxxxxx | $400.89 |  |  |  |  |  | 49.245% | 49.245% | 49.245% | 03/11/2025 | 779 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 33.330% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| 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: 33.33% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| 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: 33.33% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available | [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 | $29143.00 | xxxxxx | 6.660% | $41500.00 | 1.2 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $340370.85 | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.93 |  | 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 | 833467 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19731.09 | $17698.95 | xxxxxx | 8.900% | $5383.08 | $5383.08 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16513.29 | 1 | xxxxxx | $2349.00 | xxxxxx | $195.75 |  |  |  |  |  | 32.791% | 32.791% | 32.791% | 03/06/2025 | 738 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19731.09 | xxxxxx | 6.650% | $11535.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $294582.90 | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.45 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833482 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2233.21 | $2233.21 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1991.04 | xxxxxx | $165.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 695 |  |  |  |  |  |  |  |  |  | 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 | 1.5 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No | Yes | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.8 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833486 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7476.30 | $7476.30 | 8.990% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 4 | xxxxxx | $9060.00 | xxxxxx | $755.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 742 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $57308.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.81 |  |  | 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 | 833488 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8690.00 | $760.12 | xxxxxx | 7.262% | $5884.98 | $5884.98 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7773.13 | 1 | xxxxxx | $1356.96 | xxxxxx | $113.08 |  |  |  |  |  | 47.996% | 47.996% | 47.996% | 03/03/2025 | 794 |  |  |  |  |  |  |  |  |  | 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]; Other - Year Not Available | [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]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8690.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | Yes | No | 7.250% | 1 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $966.50 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.96 |  |  | 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 | 833498 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2110.00 | $2258.04 | xxxxxx | 7.418% | $5915.64 | $5915.64 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $20405.97 | 1 | xxxxxx | $986.04 | xxxxxx | $82.17 |  |  |  |  |  | 31.310% | 31.310% | 31.310% | 03/14/2025 | 729 |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2110.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $102596.01 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.2 |  |  | No | xxxxxx | $29707.18 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833511 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $884.15 | $884.15 | 7.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $4080.00 | xxxxxx | $340.00 | xxxxxx |  | $281.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $88567.32 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833518 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1947.19 | $1947.19 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1040.04 | xxxxxx | $86.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 726 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx | $737992.14 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 251.45 |  |  | 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 | 833537 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7790.00 | $13283.65 | xxxxxx | 7.061% | $10644.84 | $10644.84 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3772596.07 | 1 | xxxxxx | $6825.00 | xxxxxx | $568.75 | xxxxxx |  | $1782.00 |  | Annually | 0.726% | 0.726% | 0.726% | 03/11/2025 | 786 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7790.00 | xxxxxx | 6.620% | $0.00 | 3.4 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $233149.41 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.77 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833577 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13973.62 | $8211.31 | xxxxxx | 7.647% | $1832.02 | $1832.02 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5114.13 | 1 | xxxxxx | $2249.52 | xxxxxx | $187.46 |  |  |  |  |  | 47.547% | 47.547% | 47.547% | 02/11/2025 | 735 |  |  |  |  |  |  |  |  |  | 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 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13973.62 | xxxxxx | 6.620% | $0.00 | 1.3 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.98 |  | 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 | 833578 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2263.69 | $2263.69 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2471.52 | xxxxxx | $205.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/04/2024 | 743 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $10093.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.84 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833606 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3309.00 | $4773.65 | xxxxxx | 7.967% | $2726.26 | $2726.26 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25860.22 | 1 | xxxxxx | $1745.76 | xxxxxx | $145.48 |  |  |  |  |  | 16.890% | 16.890% | 16.890% | 04/02/2025 | 726 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; 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 - 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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3309.00 | xxxxxx | 6.650% | $0.00 | 3 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $49811.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.86 |  |  | 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 | 833643 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1390.56 | $1390.56 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2443.20 | xxxxxx | $203.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 776 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $181276.42 | 70.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.63 |  |  | 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 | 833645 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1248.10 | $1248.10 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2111.52 | xxxxxx | $175.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 776 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.62 |  |  | 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 | 833653 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6404.94 | $6404.94 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $806.16 | xxxxxx | $67.18 | xxxxxx |  | $62.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/22/2025 | 729 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.59 | 1.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 54.1 |  |  | 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 | 833655 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $45012.96 | $46769.48 | xxxxxx | 7.935% | $7782.26 | $7782.26 | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $36751.89 | 1 | xxxxxx | $10907.28 | xxxxxx | $908.94 |  |  |  |  |  | 31.090% | 31.090% | 31.090% | 02/25/2025 | 660 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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]; 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]; 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 - 2022<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]; 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]; 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]; 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]; 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]; 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 - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $45012.96 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $16967.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 27.23 |  | No | No | xxxxxx | $53332.86 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833656 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1566.24 | $1566.24 | 7.500% | No | No |  |  |  |  |  |  |  | Not Provided |  |  |  |  |  |  |  | 1 | xxxxxx | $2768.04 | xxxxxx | $230.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 703 |  |  |  |  |  |  |  |  |  | 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 | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $8573.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.1 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833662 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15955.00 | $22386.16 | xxxxxx | 7.164% | $4467.12 | $4467.12 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37556.29 | 1 | xxxxxx | $2135.04 | xxxxxx | $177.92 |  |  |  |  |  | 19.216% | 19.216% | 19.216% | 03/10/2025 | 777 |  |  |  |  |  |  |  |  |  | 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15955.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $21499.79 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.43 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833665 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2451.01 | $2451.01 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1167.96 | xxxxxx | $97.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 796 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $156883.95 | 36.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.29 |  |  | 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 | 833713 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1790.00 | $4179.15 | xxxxxx | 7.028% | $8084.76 | $8084.76 | 7.000% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9288.92 | 1 | xxxxxx | $6117.96 | xxxxxx | $509.83 | xxxxxx |  | $1900.00 |  | Annually | 49.920% | 49.920% | 49.920% | 03/04/2025 | 770 |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.650% | $0.00 | 2.9 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1956147.19 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 177.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833740 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $8934.00 | $13485.82 | xxxxxx | 8.553% | $3275.52 | $3275.52 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31738.14 | 1 | xxxxxx | $1359.96 | xxxxxx | $113.33 |  |  |  |  |  | 12.244% | 12.244% | 12.244% | 02/17/2025 | 737 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 - 2021 | [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 | Yes | xxxxxx | xxxxxx | $8934.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $304855.45 | 56.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.2 |  |  | 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 | 833741 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3070.67 | $3070.67 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2837.04 | xxxxxx | $236.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 724 |  |  |  |  |  |  |  |  |  | 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 | 0.8 | 1.25 |  |  |  |  |  |  |  | xxxxxx | $26961.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833743 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2217.07 | $2217.07 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1581.96 | xxxxxx | $131.83 | xxxxxx |  | $1045.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/05/2025 | 740 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $1286346.85 | 99.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 24.37 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833744 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1595.00 | $4661.12 |  | 8.424% | $4711.84 | $4711.84 | 8.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $524622.76 | 1 | xxxxxx | $2886.00 | xxxxxx | $240.50 |  |  |  |  |  | 2.486% | 2.486% | 2.486% | 03/06/2025 | 689 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1595.00 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $64847.66 | 8.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 68.99 |  | 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 | 833749 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1490.00 | $10771.62 | xxxxxx | 6.883% | $10667.27 | $12231.51 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13384.37 | 1 | xxxxxx | $10437.96 | xxxxxx | $869.83 | xxxxxx |  | $3900.00 |  | Annually | 54.111% | 48.748% | 54.111% | 03/07/2025 | 700 |  |  |  |  |  |  |  |  |  | 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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1490.00 | xxxxxx | 6.650% | $0.00 | 4.7 |  |  |  | No | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $106903.05 |  | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833754 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1596.34 | $1596.34 | 6.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1185.00 | xxxxxx | $98.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $1501096.59 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 756.18 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833770 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12454.00 | $14935.99 |  | 7.624% | $2451.06 | $2451.06 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6265.76 | 1 | xxxxxx | $861.96 | xxxxxx | $71.83 | xxxxxx |  | $440.66 |  | Monthly | 46.562% | 46.562% | 46.562% | 02/25/2025 | 705 |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12454.00 | xxxxxx | 6.660% | $8890.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $311965.78 | 57.000% | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.35 |  | 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 | 833786 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14025.00 | $5938.70 | xxxxxx | 8.461% | $3036.49 | $3036.49 | 8.375% | No | No | Not Employed | Employed | Employed | Employed | 5.37 | 1.71 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | $11542.59 | 1 | xxxxxx | $3293.40 | xxxxxx | $274.45 | xxxxxx | xxxxxx | $1122.00 |  | Monthly | 44.097% | 44.097% | 44.097% | 02/06/2025 | 769 |  |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | 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]; VVOE - 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 - 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 - 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]; VVOE - 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]; Employer Letter - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14025.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $93944.12 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 6.11 |  | No | No | xxxxxx | $0.00 | $20647.60 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833792 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2171.06 | $2171.06 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1689.96 | xxxxxx | $140.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 641 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $108531.28 | 31.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.95 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833822 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6128.18 | $12171.08 | xxxxxx | 7.818% | $8032.77 | $8032.77 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $261365.08 | 1 | xxxxxx | $6333.96 | xxxxxx | $527.83 |  |  |  |  |  | 7.619% | 7.619% | 7.619% | 03/24/2025 | 800 |  |  |  |  |  |  |  |  |  | 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 - 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 | $6128.18 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $196888.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 197.19 |  | 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 | 833847 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3940.00 | $6752.97 | xxxxxx | 10.744% | $1033.15 | $1033.15 | 10.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8532.77 | 1 | xxxxxx | $5479.68 | xxxxxx | $456.64 |  |  |  |  |  | 34.178% | 34.178% | 34.178% | 02/13/2025 | 712 |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3940.00 | xxxxxx | 6.660% | $0.00 | 1.7 |  |  |  | N/A | No | 10.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $2781.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $1706.49 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.3 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833854 | xxxxxx | N/A |  |  | xxxxxx | No | No | $40255.00 | $11177.89 | xxxxxx | 7.847% | $2916.11 | $2916.11 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4935.71 | 1 | xxxxxx | $835.32 | xxxxxx | $69.61 |  |  |  |  |  | 49.558% | 49.558% | 49.558% | 03/04/2025 | 710 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $40255.00 | xxxxxx | 6.650% | $15450.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $142706.12 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.83 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833892 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14499.00 | $16896.90 | xxxxxx | 7.409% | $6535.25 | $6535.25 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $27359.32 | 1 | xxxxxx | $10284.00 | xxxxxx | $857.00 |  |  |  |  |  | 24.734% | 24.734% | 24.734% | 03/11/2025 | 762 |  |  |  |  |  |  |  |  |  | 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 - 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14499.00 | xxxxxx | 6.650% | $0.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $46185.93 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833895 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27145.00 | $20927.15 | xxxxxx | 7.991% | $9860.94 | $9860.94 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $85005.07 | 1 | xxxxxx | $2925.12 | xxxxxx | $243.76 |  |  |  |  |  | 15.017% | 15.017% | 15.017% | 02/26/2025 | 737 |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $27145.00 | xxxxxx | 6.620% | $273500.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $211901.03 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.68 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833910 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $21977.00 | $28907.12 | xxxxxx | 7.128% | $6369.58 | $6369.58 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16690.89 | 1 | xxxxxx | $1161.12 | xxxxxx | $96.76 |  |  |  |  |  | 44.649% | 44.649% | 44.649% | 02/11/2025 | 779 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 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]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 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]; 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 | $21977.00 | xxxxxx | 6.650% | $22000.00 | 4.1 |  |  |  | No | No | 6.875% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1347258.45 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 169.91 |  | 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 | 833925 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3435.42 | $3435.42 | 7.375% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2587.56 | xxxxxx | $215.63 | xxxxxx |  | $1123.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $398424.30 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.83 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 833949 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2149.92 | $2149.92 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $3801.24 | xxxxxx | $316.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 770 |  |  |  |  |  |  |  |  |  | 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 | $600208.55 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 150.48 |  |  | 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 | 833974 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5615.08 | $8444.67 |  | 8.898% | $3815.58 | $3815.58 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10487.13 | 1 | xxxxxx | $2267.04 | xxxxxx | $188.92 | xxxxxx |  | $863.00 |  | Annually | 32.393% | 32.393% | 32.393% | 04/01/2025 | 744 |  |  |  |  |  |  |  |  |  | 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 - 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]; 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]; 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 - 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 - 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 - 2024 | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5615.08 |  | 6.620% | $14435.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 3 | 1 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $17792.00 | 3.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834012 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1121.66 | $1121.66 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1943.64 | xxxxxx | $161.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 793 |  |  |  | Level 1-Not Stated/Not 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 | 1.16 | 0.86 |  |  |  |  |  |  |  | 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 | 51.48 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834033 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17625.00 | $24401.25 | xxxxxx | 7.272% | $5056.30 | $5056.30 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $102340.47 | 1 | xxxxxx | $7797.96 | xxxxxx | $649.83 |  |  |  |  |  | 14.831% | 14.831% | 14.831% | 03/19/2025 | 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]; 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]; 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]; 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]; 4506-C (for Business) - 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]; Telephone Listing / Internet Search / Directory Assistance - 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<br> [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 - 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 | $17625.00 | xxxxxx | 6.650% | $10000.00 | 1.1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5589.70 | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.99 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834045 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $5397.86 | xxxxxx | 7.303% | $1585.26 | $1585.26 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3396.26 | 1 | xxxxxx | $2655.96 | xxxxxx | $221.33 | xxxxxx |  | $120.00 |  | Annually | 46.596% | 46.596% | 46.596% | 02/18/2025 | 756 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 59.000% | 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]; Expense 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]; Telephone Listing / Internet Search / Directory Assistance - 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<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 - 2024<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 - 2024<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 - 2009<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [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 | $1790.00 | xxxxxx | 6.650% | $1500.00 | 1.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $77827.19 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.95 |  |  | 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 | 834047 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2131.70 | $2131.70 | 7.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2708.04 | xxxxxx | $225.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 691 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $3950.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834048 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1362.06 | $1362.06 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $360.36 | xxxxxx | $30.03 | xxxxxx |  | $285.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/05/2025 | 790 |  |  |  |  |  |  |  |  |  | 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 | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 65.04 |  |  | 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 | 834049 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1204.58 | $1204.58 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1835.16 | xxxxxx | $152.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 717 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 96.16 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834119 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4935.81 | $7105.69 | xxxxxx | 7.964% | $1904.58 | $1904.58 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2604.02 | 1 | xxxxxx | $2409.96 | xxxxxx | $200.83 | xxxxxx | xxxxxx | $50.00 |  | Annually | 49.071% | 49.071% | 49.071% | 03/19/2025 | 683 |  |  |  |  |  |  |  |  |  | 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 - 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 - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 12 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4935.81 | xxxxxx | 6.660% | $0.00 | 1.1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $179129.71 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.01 |  |  | 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 | 834123 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1855.30 | $9618.37 | xxxxxx | 7.162% | $7880.49 | $7880.49 | 7.125% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $30457.92 | 1 | xxxxxx | $2541.00 | xxxxxx | $211.75 |  |  |  |  |  | 43.301% | 43.301% | 43.301% |  | 744 |  |  |  |  |  |  |  |  |  | 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 - 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 - 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]; 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]; Third Party Verification - 2020 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1855.30 | xxxxxx | 6.650% | $0.00 |  |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $785053.40 | 47.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 34.8 |  | No | No | xxxxxx | $53718.80 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834134 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16832.88 | $7229.01 |  | 7.650% | $1376.67 | $1787.45 | 7.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $28441.03 | 1 | xxxxxx | $1380.00 | xxxxxx | $115.00 |  |  |  |  |  | 19.796% | 18.637% | 19.796% | 12/27/2024 | 789 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 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> [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 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Tax Return Extension - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16832.88 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 2 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $137226.60 | 43.000% | No |  | 27 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.18 |  | No | No | xxxxxx | $0.00 | $12983.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834170 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2562.40 | $2562.40 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1271.04 | xxxxxx | $105.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2025 | 675 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 48.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834180 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3798.71 | $3798.71 | 7.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  |  | 2 | xxxxxx | $984.96 | xxxxxx | $82.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2025 | 728 |  |  |  |  |  |  |  |  |  | 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 | 1.38 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 124.66 |  |  | 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 | 834182 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $3694.78 | xxxxxx | 7.489% | $1588.56 | $1588.56 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3891.86 | 1 | xxxxxx | $932.28 | xxxxxx | $77.69 | xxxxxx | xxxxxx | $775.00 |  | Monthly | 49.534% | 49.534% | 49.534% | 03/05/2025 | 756 |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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 - 2023<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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.660% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $965602.22 | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.97 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834232 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2517.17 | $2517.17 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1257.96 | xxxxxx | $104.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 754 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $1509369.37 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 432.09 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834241 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3035.68 | $3035.68 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2037.12 | xxxxxx | $169.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/06/2025 | 759 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 104.74 |  |  | 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 | 834242 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20125.00 | $27021.62 | xxxxxx | 8.782% | $8390.57 | $9946.68 | 9.336% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14010.71 | 1 | xxxxxx | $1865.04 | xxxxxx | $155.42 | xxxxxx | xxxxxx | $65.00 |  | Monthly | 46.536% | 46.435% | 46.536% | 03/14/2025 | 795 |  |  |  |  |  |  |  |  |  | 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 | $20125.00 | xxxxxx | 6.790% | $10750.00 | 1 |  |  |  | Yes | No | 9.336% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $301773.68 | 20.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.11 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834243 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1795.00 | $6278.84 | xxxxxx | 7.297% | $8786.43 | $8786.43 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15145.93 | 1 | xxxxxx | $3081.00 | xxxxxx | $256.75 |  |  |  |  |  | 41.445% | 41.445% | 41.445% | 03/11/2025 | 798 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 \| 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]; 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]; 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]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1795.00 | xxxxxx | 6.650% | $10000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $201060.69 | 12.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834249 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3410.88 | $3410.88 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3750.00 | xxxxxx | $312.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 756 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $556805.28 | 59.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834252 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $709.70 | $709.70 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $929.04 | xxxxxx | $77.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 804 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.57 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.57 |  |  | 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 | 834257 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1300.57 | $1300.57 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1508.04 | xxxxxx | $125.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 713 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.12 | 0.47 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No | Yes | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 112.85 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834260 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1999.00 | $2359.25 | xxxxxx | 7.595% | $1678.11 | $1678.11 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4349.22 | 1 | xxxxxx | $1671.96 | xxxxxx | $139.33 | xxxxxx | xxxxxx | $2040.00 |  | Annually | 46.523% | 46.523% | 46.523% | 03/25/2025 | 690 |  |  |  |  |  |  |  |  |  | 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 - 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]; 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1999.00 | xxxxxx | 6.660% | $0.00 |  |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 89.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834261 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1465.13 | $1465.13 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1283.04 | xxxxxx | $106.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 713 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 103.79 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834314 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1804.22 | $1804.22 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1606.56 | xxxxxx | $133.88 | xxxxxx |  | $112.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/07/2025 | 704 |  |  |  |  |  |  |  |  |  | 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 | 1.04 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx | $1154790.43 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 407.15 |  |  | 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 | 834321 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1430.00 | $4045.93 | xxxxxx | 7.817% | $3467.44 | $3467.44 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27968.25 | 1 | xxxxxx | $2349.96 | xxxxxx | $195.83 |  |  |  |  |  | 31.403% | 31.403% | 31.403% | 01/23/2025 | 746 |  |  |  |  |  |  |  |  |  | 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1430.00 | xxxxxx | 6.650% | $0.00 | 1.8 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $231250.76 | 38.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.93 |  | 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 | 834327 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16213.75 | $9554.67 | xxxxxx | 8.110% | $1880.58 | $1880.58 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29407.95 | 1 | xxxxxx | $1748.88 | xxxxxx | $145.74 | xxxxxx | xxxxxx | $95.00 |  | Monthly | 34.983% | 34.983% | 34.983% | 02/17/2025 | 675 |  |  |  |  |  |  |  |  |  | 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]; 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 - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16213.75 | xxxxxx | 6.850% | $3000.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $65824.79 | 19.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.37 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834337 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27985.00 | $1747.77 | xxxxxx | 7.887% | $9367.90 | $9367.90 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20058.81 | 1 | xxxxxx | $3730.56 | xxxxxx | $310.88 |  |  |  |  |  | 40.719% | 40.719% | 40.719% | 02/27/2025 | 736 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Account Transcripts - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $27985.00 | xxxxxx | 6.660% | $100000.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 2 | 0 | 3 | 3 |  |  | 13.90 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $281663.26 | 19.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834341 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4954.56 | $4954.56 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $7718.88 | xxxxxx | $643.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 752 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834344 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4648.75 | $7538.59 | xxxxxx | 7.370% | $3376.77 | $3376.77 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13060.65 | 1 | xxxxxx | $881.04 | xxxxxx | $73.42 | xxxxxx |  | $938.00 |  | Monthly | 33.960% | 33.960% | 33.960% | 03/24/2025 | 778 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4648.75 | xxxxxx | 6.660% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $924273.05 | 100.000% | No | 26 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 141.05 |  | 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 | 834356 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7780.00 | $9786.67 |  | 7.374% | $1313.86 | $1313.86 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42006.52 | 1 | xxxxxx | $4434.72 | xxxxxx | $369.56 |  |  |  |  |  | 11.075% | 11.075% | 11.075% | 03/26/2025 | 811 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - xxxxxx \| 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 \| 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 \| 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 \| 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 \| 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 \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| 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: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [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 | $7780.00 | xxxxxx | 6.810% | $0.00 | 1.1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1450645.00 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 227.59 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834412 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25570.25 | $29179.69 | xxxxxx | 8.459% | $11235.19 | $11235.19 | 8.250% | No | No | Non-Employment Income | Non-Employment Income | Employed |  | 2.91 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | $28913.62 | 1 | xxxxxx | $1824.00 | xxxxxx | $152.00 | xxxxxx |  | $155.00 |  | Monthly | 43.913% | 43.913% | 43.913% | 12/12/2024 | 766 | 711 | 752 | 724 | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 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]; Employer Letter - 2024<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]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25570.25 | xxxxxx | 6.870% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $314526.69 | 19.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 7.02 |  | Yes | No | xxxxxx | $11113.38 | $19037.14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834413 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1170.51 | $1170.51 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1331.04 | xxxxxx | $110.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 714 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.93 |  |  | 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 | 834417 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2345.00 | $4923.62 | xxxxxx | 7.532% | $7180.93 | $7180.93 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46395.21 | 1 | xxxxxx | $1437.24 | xxxxxx | $119.77 |  |  |  |  |  | 18.460% | 18.460% | 18.460% | 03/31/2025 | 792 |  |  |  |  |  |  |  |  |  | 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]; Business License - 2017<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 | $2345.00 | xxxxxx | 6.730% | $0.00 | 5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $21595.04 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.56 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834429 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $36595.04 | $31965.34 |  | 7.453% | $6108.94 | $6108.94 | 7.125% | No | No | Non-Employment Income | Employed | Employed |  | 5.96 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | $16739.49 | 1 | xxxxxx | $3180.00 | xxxxxx | $265.00 |  |  |  |  |  | 39.995% | 39.995% | 39.995% | 03/07/2025 | 629 | 762 | 766 | 764 | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 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]; 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]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<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]; 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]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; 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 | $36595.04 | xxxxxx | 6.660% | $40000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $59290.09 | 4.000% | No |  | 28 | 28 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 7.1 |  | Yes | No | xxxxxx | $0.00 | $22437.39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834439 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6076.00 | $9620.90 | xxxxxx | 9.238% | $1573.40 | $1573.40 | 8.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $22458.20 | 1 | xxxxxx | $3756.48 | xxxxxx | $313.04 |  |  |  |  |  | 41.879% | 41.879% | 41.879% | 03/20/2025 | 753 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [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: 12]; 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: 12]; 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: 12]; 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: 12]; 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: 12]; Third Party Verification - 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: 12]; Third Party Verification - 2024<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: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6076.00 | xxxxxx | 6.660% | $0.00 | 3.6 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $1352.90 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $4514.28 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.96 |  | No | No | xxxxxx | $38640.06 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834441 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10100.00 | $5973.33 | xxxxxx | 8.943% | $3978.22 | $3978.22 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $87348.69 | 1 | xxxxxx | $3056.04 | xxxxxx | $254.67 |  |  |  |  |  | 10.645% | 10.645% | 10.645% | 03/11/2025 | 782 |  |  |  |  |  |  |  |  |  | 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 - 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]; 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10100.00 | xxxxxx | 6.660% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $25239.80 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.500% | xxxxxx | xxxxxx | $3025.05 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.34 |  |  | 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 | 834492 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $15170.00 | $16699.17 | xxxxxx | 8.343% | $6058.78 | $6058.78 | 8.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $799714.29 | 1 | xxxxxx | $4433.04 | xxxxxx | $369.42 |  |  |  |  |  | 1.411% | 1.411% | 1.411% | 03/26/2025 | 801 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 - Year Not Available<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 - 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]; CPA Letter - 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 - 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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $15170.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1137374.59 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 210.66 |  | Yes | No | xxxxxx | $405581.30 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834685 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $37125.00 | $42118.08 | xxxxxx | 7.936% | $9003.14 | $9003.14 | 7.625% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15394.30 | 1 | xxxxxx | $2343.96 | xxxxxx | $195.33 |  |  |  |  |  | 43.484% | 43.484% | 43.484% |  | 812 |  |  |  |  |  |  |  |  |  | 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]; 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 \| Primary Income - Wages]; W-2 Transcript - 2022<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 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 \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $37125.00 | xxxxxx | 6.660% | $0.00 |  |  |  |  | N/A | No | 7.625% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 15 | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.01 |  |  | No | xxxxxx | $0.00 | $17655.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834782 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6318.60 | $6896.91 | xxxxxx | 8.133% | $3962.33 | $3962.33 | 8.000% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7066.81 | 1 | xxxxxx | $1683.96 | xxxxxx | $140.33 |  |  |  |  |  | 39.863% | 39.863% | 39.863% | 01/08/2025 | 803 |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [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> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6318.60 | xxxxxx | 6.810% | $0.00 | 1.2 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $1166298.43 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 235.51 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834793 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2290.64 | $2290.64 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $3474.96 | xxxxxx | $289.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $354157.46 | 62.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834801 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10592.32 | $12333.55 | xxxxxx | 8.276% | $2218.71 | $2218.71 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7818.43 | 1 | xxxxxx | $1130.04 | xxxxxx | $94.17 |  |  |  |  |  | 28.111% | 28.111% | 28.111% | 02/24/2025 | 770 |  |  |  |  |  |  |  |  |  | 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]; 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 - 2020 | [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 | $10592.32 | xxxxxx | 6.660% | $10200.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6809.45 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.71 |  |  | 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 | 834859 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10190.00 | $16178.25 | xxxxxx | 8.083% | $4712.95 | $4712.95 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19012.49 | 2 | xxxxxx | $1005.96 | xxxxxx | $83.83 |  |  |  |  |  | 25.917% | 25.917% | 25.917% | 03/04/2025 | 752 |  |  |  |  |  |  |  |  |  | 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10190.00 | xxxxxx | 6.660% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $345977.44 | 36.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.29 |  |  | 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 | 834868 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $21412.75 | $31678.61 | xxxxxx | 7.823% | $10882.33 | $10882.33 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $40388.43 | 1 | xxxxxx | $3252.00 | xxxxxx | $271.00 | xxxxxx | xxxxxx | $375.00 |  | Monthly | 40.005% | 40.005% | 40.005% | 03/21/2025 | 764 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 - 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 - 2021<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 | $21412.75 | xxxxxx | 6.660% | $7500.00 | 1.2 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $273982.07 | 13.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.61 |  | 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 | 834874 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1890.00 | $2437.94 | xxxxxx | 8.157% | $5939.98 | $5939.98 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $294052.06 | 1 | xxxxxx | $7701.00 | xxxxxx | $641.75 |  |  |  |  |  | 5.561% | 5.561% | 5.561% | 03/21/2025 | 776 |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1890.00 | xxxxxx | 6.810% | $8000.00 | 3.1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $201662.64 | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.33 |  | 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 | 834885 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14185.00 | $17339.70 |  | 8.650% | $7459.29 | $8959.12 | 9.345% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15692.81 | 1 | xxxxxx | $1953.24 | xxxxxx | $162.77 |  |  |  |  |  | 43.449% | 42.978% | 43.449% | 03/23/2025 | 687 |  |  |  |  |  |  |  |  |  | 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 | $14185.00 |  | 6.770% | $0.00 | 1 |  |  |  | Yes | No | 9.345% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $108922.29 | 8.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.58 |  |  | 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 | 834908 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2005.95 | $2005.95 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $585.00 | xxxxxx | $48.75 | xxxxxx |  | $749.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/27/2025 | 693 |  |  |  |  |  |  |  |  |  | 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 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.83 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 834924 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $6845.20 | xxxxxx | 7.273% | $7418.67 | $7418.67 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22493.48 | 1 | xxxxxx | $2185.20 | xxxxxx | $182.10 |  |  |  |  |  | 38.976% | 38.976% | 38.976% | 03/24/2025 | 775 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 69.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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: 50.00% \| Expense Ratio: 40.00000% \| 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: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024<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]; 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]; 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 | Full Documentation (F) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.650% | $0.00 | 1.9 |  |  |  | N/A | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $18828.93 |  | No |  | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 47.04 |  | No | No | xxxxxx | $12682.95 | $11494.10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834925 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14040.00 | $17447.11 | xxxxxx | 7.192% | $5215.97 | $5215.97 | 7.000% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $9827.26 | 1 | xxxxxx | $2785.92 | xxxxxx | $232.16 |  |  |  |  |  | 43.882% | 43.882% | 43.882% | 03/24/2025 | 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]; 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 | $14040.00 | xxxxxx | 6.660% | $0.00 | 1.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $67749.13 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 8.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834981 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3400.00 | $6384.67 | xxxxxx | 7.547% | $9789.00 | $9789.00 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19909.70 | 3 | xxxxxx | $2105.40 | xxxxxx | $175.45 |  |  |  |  |  | 35.117% | 35.117% | 35.117% | 02/18/2025 | 796 |  |  |  |  |  |  |  |  |  | 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]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<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 | $3400.00 | xxxxxx | 6.620% | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834982 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14827.50 | $16289.82 | xxxxxx | 7.917% | $2761.90 | $2761.90 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7380.47 | 1 | xxxxxx | $4540.92 | xxxxxx | $378.41 | xxxxxx |  | $489.00 |  | Monthly | 44.664% | 44.664% | 44.664% | 03/17/2025 | 713 |  |  |  |  |  |  |  |  |  | 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]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 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 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14827.50 | xxxxxx | 6.620% | $75000.00 | 1.6 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $243063.51 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 33.82 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 834984 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3419.00 | $9404.02 | xxxxxx | 7.568% | $8110.89 | $8110.89 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17220.55 | 1 | xxxxxx | $1878.96 | xxxxxx | $156.58 | xxxxxx |  | $222.00 |  | Monthly | 37.022% | 37.022% | 37.022% | 03/26/2025 | 805 |  |  |  |  |  |  |  |  |  | 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]; 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 | [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<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 | $3419.00 | xxxxxx | 6.650% | $1679.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $12910.03 | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.52 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835116 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3430.00 | $8188.00 | xxxxxx | 7.422% | $5967.43 | $5967.43 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $34636.24 | 1 | xxxxxx | $6660.00 | xxxxxx | $555.00 |  |  |  |  |  | 32.257% | 32.257% | 32.257% | 03/10/2025 | 754 |  |  |  |  |  |  |  |  |  | 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<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<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-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 | $3430.00 | xxxxxx | 6.730% | $0.00 | 2.6 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2876.00 |  | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0 |  | 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 | 835131 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5692.92 | $5692.92 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $5035.20 | xxxxxx | $419.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2025 | 804 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $659214.31 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835167 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7714.00 | $8789.25 | xxxxxx | 7.160% | $1944.51 | $1944.51 | 6.875% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22064.70 | 1 | xxxxxx | $2813.28 | xxxxxx | $234.44 |  |  |  |  |  | 15.901% | 15.901% | 15.901% | 02/22/2025 | 748 |  |  |  |  |  |  |  |  |  | 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]; 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 - 2016 | [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 | $7714.00 | xxxxxx | 6.650% | $16500.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $3800.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 49.06 |  | Yes | No | xxxxxx | $26236.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835195 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6311.50 | $4095.94 | xxxxxx | 7.121% | $1827.74 | $1827.74 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8747.98 | 1 | xxxxxx | $1020.48 | xxxxxx | $85.04 | xxxxxx | xxxxxx | $368.00 |  | Monthly | 29.426% | 29.426% | 29.426% | 03/24/2025 | 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]; 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 - 2009 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6311.50 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $29219.34 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.64 |  |  | 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 | 835223 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7023.10 | $11565.87 | xxxxxx | 6.984% | $5649.59 | $5649.59 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26716.27 | 1 | xxxxxx | $4037.88 | xxxxxx | $336.49 | xxxxxx | xxxxxx | $1200.00 |  | Annually | 36.233% | 36.233% | 36.233% | 03/19/2025 | 695 |  |  |  |  |  |  |  |  |  | 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 | $7023.10 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $12644.16 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.06 |  |  | 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 | 835225 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15197.00 | $21814.67 | xxxxxx | 7.757% | $9139.03 | $9139.03 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14287.09 | 1 | xxxxxx | $10523.76 | xxxxxx | $876.98 |  |  |  |  |  | 43.982% | 43.982% | 43.982% | 02/11/2025 | 760 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.000% | 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]; 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 - 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 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [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 | $15197.00 | xxxxxx | 6.730% | $3000.00 | 1 |  |  |  | Yes | No | 7.625% | 2 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $400351.17 | 25.000% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.07 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835231 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10624.95 | $15026.39 | xxxxxx | 8.060% | $5612.04 | $5612.04 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14975.79 | 1 | xxxxxx | $3336.96 | xxxxxx | $278.08 |  |  |  |  |  | 42.701% | 42.701% | 42.701% | 02/28/2025 | 797 |  |  |  |  |  |  |  |  |  | No | Yes | 48 | 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: 24]; 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: 24]; 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: 24]; 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: 24]; Other - 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: 24]; Other - 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: 24]; Other - 2021<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: 24]; Other - Year Not Available<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: 24]; Other - Year Not Available<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: 24]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10624.95 | xxxxxx | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $176037.21 | 20.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.51 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835267 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18330.17 | $2117.12 | xxxxxx | 7.549% | $2953.48 | $2953.48 | 7.500% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9070.39 | 2 | xxxxxx | $3188.04 | xxxxxx | $265.67 |  |  |  |  |  | 41.473% | 41.473% | 41.473% | 03/12/2025 | 784 |  |  |  |  |  |  |  |  |  | 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]; 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]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 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]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Tax Return Extension - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18330.17 | xxxxxx | 6.650% | $30000.00 |  |  |  |  | No | No | 7.500% | 3 | 2 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $296773.10 | 53.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 45.23 |  | No | No | xxxxxx | $0.00 | $3636.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835300 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $15555.00 | $20207.70 | xxxxxx | 8.227% | $4060.39 | $4060.39 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10181.14 | 1 | xxxxxx | $2940.96 | xxxxxx | $245.08 | xxxxxx | xxxxxx | $120.00 |  | Monthly | 34.593% | 34.593% | 34.593% | 03/31/2025 | 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]; 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 | $15555.00 | xxxxxx | 6.650% | $2000.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $145861.42 | 21.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.73 |  |  | 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 | 835303 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $11366.57 | $13576.39 | xxxxxx | 8.625% | $8773.31 | $8773.31 | 8.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $36532.88 | 1 | xxxxxx | $1733.04 | xxxxxx | $144.42 |  |  |  |  |  | 44.499% | 44.499% | 44.499% | 03/13/2025 | 689 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 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 | $11366.57 | xxxxxx | 6.700% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.2 |  | No | No | xxxxxx | $65823.58 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835311 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4214.06 | $4214.06 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4002.00 | xxxxxx | $333.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/11/2025 | 762 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  | 240 | xxxxxx | $251018.61 | 29.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835319 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1601.03 | $1601.03 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1475.40 | xxxxxx | $122.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 669 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $24747.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 122.95 |  |  | 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 | 835326 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1348.20 | $1348.20 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1706.04 | xxxxxx | $142.17 | xxxxxx |  | $130.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/05/2025 | 782 |  |  |  | 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 | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $103640.10 | 42.000% | 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 |  |  |  |  |  |  |  |  | 21.43 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835339 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2965.00 | $3407.12 | xxxxxx | 8.819% | $884.25 | $884.25 | 8.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7585.28 | 1 | xxxxxx | $5585.40 | xxxxxx | $465.45 |  |  |  |  |  | 31.280% | 31.280% | 31.280% | 03/07/2025 | 769 |  |  |  |  |  |  |  |  |  | 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 Transcript - No Results Returned - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022 | [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 | $2965.00 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.500% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $1457.94 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835429 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14398.00 | $4745.04 | xxxxxx | 7.488% | $2900.84 | $2900.84 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4903.12 | 1 | xxxxxx | $3125.40 | xxxxxx | $260.45 |  |  |  |  |  | 42.638% | 42.638% | 42.638% | 03/30/2025 | 785 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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]; 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]; Other - Year Not Available | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14398.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $9596.98 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835431 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $30814.00 | $1758.85 | xxxxxx | 7.383% | $12575.81 | $12575.81 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31295.08 | 1 | xxxxxx | $3297.36 | xxxxxx | $274.78 |  |  |  |  |  | 37.162% | 37.162% | 37.162% | 02/13/2025 | 790 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| 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: 90.00% \| 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: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| 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: 90.00% \| 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: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| 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: 90.00% \| Expense Ratio: 25.00000% \| 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: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # 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 | $30814.00 | xxxxxx | 6.650% | $0.00 | 4.1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $217881.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.98 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835435 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21350.00 | $9359.22 |  | 8.697% | $11462.60 | $13246.64 | 9.322% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46272.40 | 1 | xxxxxx | $2785.92 | xxxxxx | $232.16 |  |  |  |  |  | 25.287% | 25.734% | 25.287% | 03/01/2025 | 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]; 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 | $21350.00 |  | 6.820% | $0.00 | 1 |  |  |  | Yes | No | 9.322% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $704949.69 | 35.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.3 |  | 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 | 835436 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2106.56 | $2106.56 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1349.04 | xxxxxx | $112.42 | xxxxxx |  | $165.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/21/2025 | 741 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $78440.67 | 19.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.05 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835439 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2233.64 | $2233.64 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1308.36 | xxxxxx | $109.03 | xxxxxx |  | $320.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/12/2025 | 740 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $270239.53 | 58.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835440 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2529.53 | $2529.53 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1067.52 | xxxxxx | $88.96 | xxxxxx |  | $2200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/05/2025 | 756 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $3672.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 104.16 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835444 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7330.00 | $10605.00 |  | 6.987% | $6280.24 | $6280.24 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8387.53 | 1 | xxxxxx | $1683.00 | xxxxxx | $140.25 |  |  |  |  |  | 50.888% | 50.888% | 50.888% | 03/11/2025 | 763 |  |  |  |  |  |  |  |  |  | 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 | $7330.00 |  | 6.620% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $200.95 | 0.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.56 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835455 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5364.00 | $5364.00 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3309.00 | xxxxxx | $275.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 761 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $665556.31 | 62.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 123.15 |  |  | 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 | 835473 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1813.80 | $2089.96 | xxxxxx | 7.451% | $1751.55 | $1751.55 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3952.18 | 1 | xxxxxx | $1656.96 | xxxxxx | $138.08 |  |  |  |  |  | 33.926% | 33.926% | 33.926% | 03/24/2025 | 748 |  |  |  |  |  |  |  |  |  | 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]; 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<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]; 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: 24]; Third Party Verification - 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: 24]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1813.80 | xxxxxx | 6.620% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $90353.83 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.31 |  |  | 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 | 835476 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23056.51 | $28451.81 | xxxxxx | 7.688% | $5414.89 | $5414.89 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32217.20 | 1 | xxxxxx | $2340.96 | xxxxxx | $195.08 |  |  |  |  |  | 23.675% | 23.675% | 23.675% | 02/18/2025 | 788 |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23056.51 | xxxxxx | 6.650% | $205000.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15000.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.66 |  |  | 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 | 835490 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1740.50 | $1740.50 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3175.44 | xxxxxx | $264.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 752 |  |  |  |  |  |  |  |  |  | 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 | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.79 |  |  | 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 | 835502 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9373.91 | $11430.80 |  | 7.711% | $1636.68 | $1636.68 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3690.63 | 1 | xxxxxx | $1038.00 | xxxxxx | $86.50 |  |  |  |  |  | 34.000% | 34.000% | 34.000% | 03/20/2025 | 776 |  |  |  |  |  |  |  |  |  | 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]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9373.91 |  | 6.620% | $9000.00 | 1.9 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $92333.43 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.9 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835529 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2367.97 | $2367.97 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2525.04 | xxxxxx | $210.42 | xxxxxx | xxxxxx | $2964.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/12/2025 | 719 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.28 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835533 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1614.72 | $1614.72 | 8.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | xxxxxx | $3023.04 | xxxxxx | $251.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/11/2025 | 689 |  |  |  |  |  |  |  |  |  | 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 | 1.56 | 0.64 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 102.51 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835535 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3008.93 | $3008.93 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1408.08 | xxxxxx | $117.34 | xxxxxx | xxxxxx | $200.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/28/2025 | 709 |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  | 60 |  |  |  |  | xxxxxx | $149356.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 152.19 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835536 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3778.54 | $3778.54 | 6.999% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2411.04 | xxxxxx | $200.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 779 |  |  |  | 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 | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $241164.33 | 34.000% | 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 |  |  |  |  |  |  |  |  | 22.33 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835538 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1047.75 | $1047.75 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2672.64 | xxxxxx | $222.72 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/08/2025 | 796 |  |  |  |  |  |  |  |  |  | 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 | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 97.76 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835539 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4044.51 | $4044.51 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $3563.04 | xxxxxx | $296.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2025 | 706 |  |  |  |  |  |  |  |  |  | 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 | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $124892.03 | 19.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.79 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835540 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3075.38 | $3075.38 | 6.999% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2544.00 | xxxxxx | $212.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 759 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $321823.47 | 48.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.45 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835541 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6147.01 | $6147.01 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1190.28 | xxxxxx | $99.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 810 |  |  |  |  |  |  |  |  |  | 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 | 1 |  |  |  |  |  |  |  | xxxxxx | $112000.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.32 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835542 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3314.96 | $3314.96 | 9.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1322.76 | xxxxxx | $110.23 | xxxxxx | xxxxxx | $8928.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/28/2025 | 735 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.51 | 1.95 |  |  |  |  |  |  |  | xxxxxx | $5847.52 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 101.46 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835545 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4114.21 | $4114.21 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1340.04 | xxxxxx | $111.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 730 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $23732.07 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.22 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835546 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1203.57 | $1203.57 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $995.04 | xxxxxx | $82.92 | xxxxxx | xxxxxx | $333.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/12/2025 | 714 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $95261.98 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.24 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835548 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2417.36 | $2417.36 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1296.00 | xxxxxx | $108.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/31/2024 | 732 |  |  |  |  |  |  |  |  |  | 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 | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.33 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835549 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2668.38 | $2668.38 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5460.96 | xxxxxx | $455.08 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/19/2025 | 808 |  |  |  |  |  |  |  |  |  | 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 | 1 |  |  |  |  |  |  |  | xxxxxx | $20645.00 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.52 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835550 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1243.69 | $1243.69 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2134.44 | xxxxxx | $177.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 740 |  |  |  |  |  |  |  |  |  | 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 | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 371.01 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835551 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1325.44 | $1325.44 | 6.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2370.96 | xxxxxx | $197.58 | xxxxxx | xxxxxx | $1268.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/10/2025 | 709 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $278792.02 | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.94 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835552 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1746.03 | $1746.03 | 7.375% | No | No |  | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2627.52 | xxxxxx | $218.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 756 |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - Year Not Available |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.11 | 0.47 |  |  | 60 |  |  |  |  | xxxxxx | $661736.85 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 228.74 |  |  |  | xxxxxx | $3333.33 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835554 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1313.75 | $1313.75 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5019.96 | xxxxxx | $418.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 803 |  |  |  |  |  |  |  |  |  | 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 | 1.12 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $281767.48 | 62.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.68 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 835555 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2761.41 | $2761.41 | 6.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2261.04 | xxxxxx | $188.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 754 |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $6934.39 |  | 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 | 12.36 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835556 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2724.27 | $2724.27 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1040.04 | xxxxxx | $86.67 | xxxxxx | xxxxxx | $13.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/28/2025 | 764 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $27323.98 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.92 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 835561 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $3245.00 | $5572.38 | xxxxxx | 7.637% | $5414.62 | $5414.62 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14972.49 | 1 | xxxxxx | $2422.08 | xxxxxx | $201.84 |  |  |  |  |  | 41.187% | 41.187% | 41.187% | 02/15/2025 | 722 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 87.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $3245.00 | xxxxxx | 6.730% | $10000.00 | 4 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $143863.46 | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.39 |  | Yes | No | xxxxxx | $11084.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835564 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $16875.52 | $22138.68 | xxxxxx | 8.961% | $4694.75 | $4694.75 | 8.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12606.05 | 1 | xxxxxx | $2075.04 | xxxxxx | $172.92 | xxxxxx | xxxxxx | $308.00 |  | Monthly | 36.970% | 36.970% | 36.970% | 03/05/2025 | 679 |  |  |  |  |  |  |  |  |  | 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> [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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16875.52 | xxxxxx | 6.730% | $10000.00 | 1.3 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.14 |  |  | No | xxxxxx | $2000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835565 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $9720.00 | $9666.63 | xxxxxx | 6.959% | $1856.90 | $1856.90 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18581.50 | 1 | xxxxxx | $651.36 | xxxxxx | $54.28 |  |  |  |  |  | 17.987% | 17.987% | 17.987% | 02/27/2025 | 695 |  |  |  |  |  |  |  |  |  | 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9720.00 | xxxxxx | 6.730% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.39 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835571 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $14465.00 | $47.11 | xxxxxx | 7.933% | $3110.87 | $3110.87 | 7.999% | No | No | Non-Employment Income |  |  |  |  |  | Non-Permanent Residence |  |  |  |  |  |  |  | $17078.83 | 1 | xxxxxx | $1179.96 | xxxxxx | $98.33 | xxxxxx |  | $55.00 |  | Monthly | 22.656% | 22.656% | 22.656% | 03/13/2025 | 706 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Trust Income]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Trust Income]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Trust Income]; Trust Agreement - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - No Results Returned - 2022<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14465.00 | xxxxxx | 6.650% | $30000.00 | 1.1 |  |  |  | N/A | No | 7.999% | 0 |  | 2 | 0 | 0 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2529470.09 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 618.03 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 835600 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9733.04 | $20937.81 | xxxxxx | 7.865% | $6143.65 | $6143.65 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12827.39 | 1 | xxxxxx | $3390.00 | xxxxxx | $282.50 |  |  |  |  |  | 44.830% | 44.830% | 44.830% | 11/08/2023 | 685 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9733.04 | xxxxxx | 7.010% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | 7.625% | 0 | 2 | 2 | 0 | 2 | 4 |  |  | 11.10 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2969.83 |  | No |  | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0.58 |  | No | No | xxxxxx | $0.00 | $3973.08 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835673 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2485.00 | $10912.49 | xxxxxx | 7.055% | $9909.02 | $9909.02 | 7.000% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $23525.89 | 1 | xxxxxx | $1950.00 | xxxxxx | $162.50 | xxxxxx |  | $301.00 |  | Monthly | 36.592% | 36.592% | 36.592% | 03/21/2025 | 794 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 - 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 - 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]; Other - Year Not Available<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 - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $2485.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $561675.11 | 28.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.25 |  | No | No | xxxxxx | $37102.16 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835675 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1995.00 | $3370.34 |  | 7.786% | $6590.99 | $6590.99 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24184.36 | 1 | xxxxxx | $2058.96 | xxxxxx | $171.58 | xxxxxx | xxxxxx | $1243.00 |  | Monthly | 44.852% | 44.852% | 44.852% | 02/26/2025 | 745 |  |  |  |  |  |  |  |  |  | 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 - 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: 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]; 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]; 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: 12]; 4506-C (for Business) - 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: 12]; 4506-C (for Business) - 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<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 | $1995.00 | xxxxxx | 6.660% | $0.00 | 2.4 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $6479.46 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.05 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835716 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8830.00 | $5096.25 | xxxxxx | 8.458% | $1113.75 | $1113.75 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13221.64 | 1 | xxxxxx | $879.60 | xxxxxx | $73.30 | xxxxxx | xxxxxx | $477.00 |  | Monthly | 31.018% | 31.018% | 31.018% | 03/29/2025 | 765 |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8830.00 | xxxxxx | 6.620% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $824843.42 | 100.000% | No | 9 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 394.21 |  | 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 | 835734 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9299.00 | $18428.50 | xxxxxx | 8.060% | $2760.40 | $2760.40 | 7.625% | No | No | Not Employed | Self-Employed | Employed |  | 18.13 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $174572.74 | 1 | xxxxxx | $1566.12 | xxxxxx | $130.51 | xxxxxx |  | $62.00 |  | Monthly | 6.911% | 6.911% | 6.911% | 04/01/2025 | 712 |  |  |  | Level 4-Stated/Verified as defined |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% |  | 51.000% |  | [Coborrower(s) - 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> [Coborrower(s) - 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> [Coborrower(s) - 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> [Coborrower(s) - 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> [Coborrower(s) - 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 - 2025<br> [Coborrower(s) - 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 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-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> [Coborrower(s) - xxxxxx \| Non-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> [Coborrower(s) - xxxxxx \| Non-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> [Coborrower(s) - xxxxxx \| Non-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> [Coborrower(s) - xxxxxx \| Non-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 - 2025<br> [Coborrower(s) - xxxxxx \| Non-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 - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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]; CPA Letter - 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 \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9299.00 | xxxxxx | 6.620% | $0.00 | 1.4 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $73315.23 |  | 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 | 123.12 |  | No | No | xxxxxx | $187532.92 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835736 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2102.70 | $2102.70 | 7.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1443.96 | xxxxxx | $120.33 | xxxxxx |  | $8162.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/04/2025 | 808 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.49 |  |  |  |  |  |  |  | xxxxxx | $232522.70 | 45.000% | 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 |  |  |  |  |  |  |  |  | 15.72 |  |  | 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 | 835739 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13051.50 | $18939.30 |  | 7.120% | $7443.87 | $7443.87 | 6.990% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11012.97 | 1 | xxxxxx | $3061.92 | xxxxxx | $255.16 |  |  |  |  |  | 49.171% | 49.171% | 49.171% | 01/17/2025 | 666 |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13051.50 |  | 6.730% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.990% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $21501.29 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.58 |  |  | 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 | 835749 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2935.06 | $2935.06 | 8.000% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2910.00 | xxxxxx | $242.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 781 |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | 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 | 111.11 |  |  | 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 | 835814 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9562.50 | $11666.04 | xxxxxx | 7.806% | $2552.13 | $2552.13 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5133.41 | 1 | xxxxxx | $3540.00 | xxxxxx | $295.00 | xxxxxx | xxxxxx | $401.00 |  | Monthly | 47.511% | 47.511% | 47.511% | 02/14/2025 | 681 |  |  |  |  |  |  |  |  |  | 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9562.50 | xxxxxx | 6.620% | $2000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $142279.82 | 31.000% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.3 |  |  | 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 | 835822 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $28550.00 | $10592.06 |  | 7.836% | $7794.57 | $7794.57 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13056.06 | 1 | xxxxxx | $3586.08 | xxxxxx | $298.84 |  |  |  |  |  | 43.807% | 43.807% | 43.807% | 04/10/2025 | 752 |  |  |  |  |  |  |  |  |  | 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]; 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 | $28550.00 |  | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $40800.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.16 |  | 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 | 835824 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4503.75 | $8739.00 |  | 7.335% | $4512.60 | $4512.60 | 7.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6574.05 | 1 | xxxxxx | $1175.04 | xxxxxx | $97.92 |  |  |  |  |  | 49.354% | 49.354% | 49.354% | 03/05/2025 | 767 |  |  |  |  |  |  |  |  |  | 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 | $4503.75 |  | 6.620% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $545.00 |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 0.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835829 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6007.50 | $7252.97 | xxxxxx | 7.619% | $1968.42 | $1968.42 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6925.13 | 1 | xxxxxx | $2087.04 | xxxxxx | $173.92 | xxxxxx |  | $500.00 |  | Annually | 42.849% | 42.849% | 42.849% | 03/27/2025 | 705 |  |  |  |  |  |  |  |  |  | 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6007.50 | xxxxxx | 6.620% | $3000.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $18987.08 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 7.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835834 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1858.13 | $4164.46 | xxxxxx | 8.085% | $2982.75 | $2982.75 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18229.03 | 1 | xxxxxx | $1386.00 | xxxxxx | $115.50 | xxxxxx |  | $398.00 |  | Monthly | 42.384% | 42.384% | 42.384% | 02/19/2025 | 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]; 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<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 | $1858.13 | xxxxxx | 6.660% | $0.00 | 2.2 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $9842.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.08 |  | 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 | 835837 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1350.00 | $3691.37 | xxxxxx | 8.472% | $9311.71 | $11328.63 | 9.350% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21266.19 | 1 | xxxxxx | $1437.00 | xxxxxx | $119.75 | xxxxxx | xxxxxx | $390.00 |  | Monthly | 47.090% | 46.353% | 47.090% | 03/19/2025 | 763 |  |  |  |  |  |  |  |  |  | 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1350.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 9.350% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $41240.46 |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.95 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835838 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8102.50 | $9264.70 | xxxxxx | 7.777% | $2314.40 | $2314.40 | 7.500% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $12085.26 | 1 | xxxxxx | $468.96 | xxxxxx | $39.08 |  |  |  |  |  | 20.387% | 20.387% | 20.387% | 02/18/2025 | 699 |  |  |  |  |  |  |  |  |  | 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 | $8102.50 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $133539.19 | 30.000% | No | 26 | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 2.62 |  |  | No | xxxxxx | $0.00 | $8500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835859 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $32917.29 | $34468.30 | xxxxxx | 7.434% | $7593.98 | $7593.98 | 7.125% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  | $22313.14 | 1 | xxxxxx | $6770.04 | xxxxxx | $564.17 | xxxxxx | xxxxxx | $1524.00 |  | Annually | 48.276% | 48.276% | 48.276% | 04/02/2025 | 716 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; W-2 - 2023<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]; 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]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<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]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $32917.29 | xxxxxx | 6.620% | $7500.00 | 1.4 |  |  |  | Yes | No | 7.125% | 1 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $736754.95 | 52.000% | No | 3 | 63 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Employment Authorization |  |  |  | 42.03 |  | Yes | No | xxxxxx | $0.00 | $23972.47 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835871 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4627.50 | $5808.24 | xxxxxx | 7.592% | $1688.01 | $1688.01 | 7.375% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4298.79 | 1 | xxxxxx | $1146.96 | xxxxxx | $95.58 |  |  |  |  |  | 33.865% | 33.865% | 33.865% | 03/13/2025 | 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 | $4627.50 | xxxxxx | 6.650% | $90000.00 | 4.3 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $31778.23 | 10.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 22.24 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 835889 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2740.06 | $2740.06 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1938.96 | xxxxxx | $161.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2025 | 678 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.09 |  |  | 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 | 835916 | xxxxxx | N/A |  |  | xxxxxx | No | No | $34815.00 | $16017.25 | xxxxxx | 8.304% | $5880.58 | $5880.58 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32150.90 | 2 | xxxxxx | $2016.24 | xxxxxx | $168.02 |  |  |  |  |  | 28.650% | 28.650% | 28.650% | 03/12/2025 | 718 |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2022<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 | $34815.00 | xxxxxx | 6.650% | $0.00 |  |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $326085.37 | 33.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.21 |  | 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 | 835946 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8472.10 | $10908.51 | xxxxxx | 8.842% | $1696.48 | $1696.48 | 8.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $1023504.17 | 1 | xxxxxx | $302.04 | xxxxxx | $25.17 | xxxxxx |  | $939.00 |  | Monthly | 5.710% | 5.710% | 5.710% | 04/07/2025 | 777 |  |  |  |  |  |  |  |  |  | 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 - 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 \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2002<br> [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 - 1998<br> [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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8472.10 | xxxxxx | 6.810% | $0.00 | 1.2 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 310.91 |  | 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 | 835957 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13555.00 | $14754.96 | xxxxxx | 7.667% | $2435.37 | $2435.37 | 7.250% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5056.51 | 1 | xxxxxx | $639.00 | xxxxxx | $53.25 | xxxxxx | xxxxxx | $88.00 |  | Monthly | 36.794% | 36.794% | 36.794% | 03/27/2025 | 809 |  |  |  |  |  |  |  |  |  | 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 | $13555.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 117.71 |  |  | 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 | 836002 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15475.25 | $22233.32 | xxxxxx | 7.605% | $11012.63 | $11012.63 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $92574.70 | 1 | xxxxxx | $13453.56 | xxxxxx | $1121.13 |  |  |  |  |  | 38.036% | 38.036% | 38.036% | 04/07/2025 | 756 |  |  |  |  |  |  |  |  |  | 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]; 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 | No | xxxxxx | xxxxxx | $15475.25 | xxxxxx | 6.620% | $0.00 | 3.1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $49385.12 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 148.23 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836007 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14655.00 | $17089.86 | xxxxxx | 8.124% | $5162.49 | $5162.49 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13057.04 | 1 | xxxxxx | $2835.96 | xxxxxx | $236.33 |  |  |  |  |  | 44.399% | 44.399% | 44.399% | 04/07/2025 | 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]; 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]; 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 - Year Not Available<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]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<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]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14655.00 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $62882.03 | 7.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.22 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836016 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2737.50 | $3602.69 | xxxxxx | 9.500% | $2578.42 | $2578.42 | 9.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8890.46 | 1 | xxxxxx | $1582.08 | xxxxxx | $131.84 | xxxxxx |  | $65.00 |  | Monthly | 25.913% | 25.913% | 25.913% | 03/20/2025 | 664 |  |  |  |  |  |  |  |  |  | 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 | $2737.50 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836079 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $13922.60 | $16960.32 | xxxxxx | 8.641% | $9150.07 | $9150.07 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30099.70 | 1 | xxxxxx | $4211.40 | xxxxxx | $350.95 |  |  |  |  |  | 45.515% | 45.515% | 45.515% | 03/25/2025 | 759 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 30.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| 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: 30.00% \| 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: 30.00% \| 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: 30.00% \| 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 | $13922.60 | xxxxxx | 6.620% | $0.00 | 1.1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $388275.08 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.12 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836150 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4714.00 | $7730.06 | xxxxxx | 8.685% | $1464.97 | $1464.97 | 8.250% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14145.36 | 1 | xxxxxx | $615.96 | xxxxxx | $51.33 | xxxxxx | xxxxxx | $446.00 |  | Monthly | 49.829% | 49.829% | 49.829% | 03/27/2025 | 756 |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<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]; 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]; Paystubs - 2024<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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4714.00 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 89.32 |  | No | No | xxxxxx | $0.00 | $10831.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836151 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14295.00 | $18240.60 | xxxxxx | 7.868% | $5096.11 | $5096.11 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17341.04 | 1 | xxxxxx | $3971.64 | xxxxxx | $330.97 | xxxxxx |  | $530.00 |  | Annually | 44.509% | 44.509% | 44.509% | 03/21/2025 | 738 |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14295.00 | xxxxxx | 6.700% | $0.00 |  |  |  |  | N/A | No | 7.625% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $307207.99 | 34.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.61 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836164 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $38953.58 | $45463.20 | xxxxxx | 8.685% | $11716.18 | $11716.18 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31791.30 | 1 | xxxxxx | $9159.24 | xxxxxx | $763.27 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 43.027% | 43.027% | 43.027% | 03/27/2025 | 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]; 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 - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<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 - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38953.58 | xxxxxx | 6.700% | $0.00 | 2 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $248364.77 | 13.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.89 |  | 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 | 836180 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23590.00 | $7864.72 | xxxxxx | 7.620% | $2210.16 | $2210.16 | 7.375% | No | No | Employed | Employed | Not Employed |  | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | $12697.57 | 1 | xxxxxx | $5211.00 | xxxxxx | $434.25 |  |  |  |  |  | 27.636% | 27.636% | 27.636% | 03/07/2025 | 731 | 810 | 826 | 816 | Level 4-Stated/Verified as defined |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | 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 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23590.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 13.46 |  | No | No | xxxxxx | $0.00 | $7546.83 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836233 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11558.50 | $14185.34 | xxxxxx | 7.347% | $2326.21 | $2326.21 | 6.990% | No | Yes | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4716.02 | 1 | xxxxxx | $2853.24 | xxxxxx | $237.77 |  |  |  |  |  | 56.205% | 56.205% | 56.205% | 01/31/2025 | 653 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11558.50 | xxxxxx | 6.920% | $0.00 | 1.5 | DU |  | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 1.04 |  | No | No | xxxxxx | $6205.60 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836253 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11880.00 | $16072.50 |  | 8.057% | $6163.09 | $6163.09 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $129514.60 | 1 | xxxxxx | $2973.12 | xxxxxx | $247.76 | xxxxxx |  | $780.00 |  | Monthly | 7.758% | 7.758% | 7.758% | 04/14/2025 | 743 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.500% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.50% \| 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: 80.50% \| 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: 80.50% \| 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: 80.50% \| 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 | $11880.00 |  | 6.700% | $0.00 | 3.8 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1159159.23 | 86.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 77.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836256 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15285.00 | $22566.40 | xxxxxx | 8.167% | $9274.78 | $9274.78 | 8.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23392.14 | 1 | xxxxxx | $7491.00 | xxxxxx | $624.25 |  |  |  |  |  | 33.733% | 33.733% | 33.733% | 03/31/2025 | 797 |  |  |  |  |  |  |  |  |  | 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 | $15285.00 | xxxxxx | 6.700% | $8000.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $86175.31 | 5.000% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.42 |  |  | 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 | 836329 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14825.00 | $17230.33 | xxxxxx | 9.111% | $3111.16 | $3111.16 | 8.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $74526.95 | 1 | xxxxxx | $1680.96 | xxxxxx | $140.08 | xxxxxx |  | $172.00 |  | Annually | 11.232% | 11.232% | 11.232% | 04/08/2025 | 650 |  |  |  |  |  |  |  |  |  | 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 - 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<br> [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 - 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]; Third Party Verification - 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]; 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 | Yes | xxxxxx | xxxxxx | $14825.00 | xxxxxx | 6.700% | $20000.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $12430.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.39 |  |  | 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 | 836335 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9501.44 | $15129.44 | xxxxxx | 7.468% | $4584.22 | $4584.22 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9056.09 | 1 | xxxxxx | $1320.00 | xxxxxx | $110.00 |  |  |  |  |  | 38.906% | 38.906% | 38.906% | 03/31/2025 | 802 |  |  |  |  |  |  |  |  |  | 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 - 2014 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9501.44 | xxxxxx | 6.700% | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $25200.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.49 |  |  | 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 | 836339 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11431.25 | $12125.21 | xxxxxx | 7.546% | $2981.11 | $2981.11 | 7.250% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $14039.65 | 1 | xxxxxx | $613.80 | xxxxxx | $51.15 | xxxxxx | xxxxxx | $57.00 |  | Monthly | 22.045% | 22.045% | 22.045% | 03/11/2025 | 782 |  |  |  |  |  |  |  |  |  | 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 | $11431.25 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $261718.66 | 42.000% | No | 26 | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 12.87 |  |  | No | xxxxxx | $0.00 | $9850.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836377 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7060.00 | $10840.83 | xxxxxx | 7.870% | $1873.89 | $1873.89 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4923.89 | 1 | xxxxxx | $1812.00 | xxxxxx | $151.00 |  |  |  |  |  | 40.981% | 40.981% | 40.981% | 04/04/2025 | 795 |  |  |  |  |  |  |  |  |  | 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 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7060.00 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $98568.06 | 29.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.78 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836392 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2150.00 | $3033.00 | xxxxxx | 7.148% | $8960.46 | $8960.46 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11179.58 | 1 | xxxxxx | $2085.00 | xxxxxx | $173.75 |  |  |  |  |  | 49.184% | 49.184% | 49.184% | 03/28/2025 | 733 |  |  |  |  |  |  |  |  |  | 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 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2150.00 | xxxxxx | 6.650% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 24 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.28 |  |  | 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 | 836423 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15746.82 | $22602.16 | xxxxxx | 8.075% | $6444.05 | $6444.05 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11330.90 | 1 | xxxxxx | $5406.00 | xxxxxx | $450.50 | xxxxxx | xxxxxx | $278.00 |  | Monthly | 42.834% | 42.834% | 42.834% | 03/30/2025 | 649 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<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%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $15746.82 | xxxxxx | 6.700% | $0.00 | 1.5 |  |  |  | N/A | No | 7.875% | 1 |  | 1 | 0 | 0 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $365473.40 | 31.000% | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836429 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1926.13 | $1926.13 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2873.04 | xxxxxx | $239.42 | xxxxxx |  | $749.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/21/2025 | 749 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $25030.87 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 836434 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5386.00 | $7162.33 | xxxxxx | 8.681% | $2856.41 | $3428.03 | 9.336% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6857.88 | 1 | xxxxxx | $1290.00 | xxxxxx | $107.50 | xxxxxx | xxxxxx | $1175.00 |  | Annually | 41.546% | 41.143% | 41.546% | 03/17/2025 | 784 |  |  |  |  |  |  |  |  |  | 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]; 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 - 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 | $5386.00 | xxxxxx | 6.780% | $0.00 | 1 |  |  |  | No | No | 9.336% | 0 |  | 0 | 0 | 2 | 0 |  |  | 14.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $142166.32 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.81 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836526 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2195.00 | $8259.14 | xxxxxx | 8.293% | $6713.32 | $6713.32 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27589.36 | 1 | xxxxxx | $1272.00 | xxxxxx | $106.00 |  |  |  |  |  | 28.295% | 28.295% | 28.295% | 02/11/2025 | 711 |  |  |  |  |  |  |  |  |  | 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]; 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 | $2195.00 | xxxxxx | 6.880% | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $142863.31 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.98 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836539 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3554.00 | $2941.11 | xxxxxx | 7.634% | $19322.77 | $19322.77 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $48463.50 | 1 | xxxxxx | $14934.96 | xxxxxx | $1244.58 |  |  |  |  |  | 35.955% | 35.955% | 35.955% | 04/10/2025 | 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]; 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]; 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]; 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]; 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<br> [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]; 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 | $3554.00 | xxxxxx | 6.810% | $0.00 | 4.4 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $30813.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836551 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20899.00 | $23072.53 | xxxxxx | 8.630% | $6420.83 | $7911.34 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22935.17 | 1 | xxxxxx | $3173.88 | xxxxxx | $264.49 |  |  |  |  |  | 37.913% | 33.878% | 37.913% | 04/07/2025 | 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]; 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]; Third Party Verification - 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 - 2018<br> [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 - 2018<br> [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 - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20899.00 | xxxxxx | 6.700% | $0.00 | 2.5 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $1764.49 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.55 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836593 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10745.00 | $14352.00 |  | 7.540% | $5525.40 | $5525.40 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $26972.16 | 2 | xxxxxx | $1708.20 | xxxxxx | $142.35 |  |  |  |  |  | 40.556% | 40.556% | 40.556% | 02/23/2025 | 711 |  |  |  |  |  |  |  |  |  | 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]; Business License - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2016 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10745.00 |  | 6.620% | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $313372.97 | 31.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.99 |  | Yes | No | xxxxxx | $45374.18 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836599 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10901.88 | $12558.31 | xxxxxx | 8.832% | $5340.85 | $6184.28 | 9.345% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $25771.75 | 1 | xxxxxx | $1187.16 | xxxxxx | $98.93 |  |  |  |  |  | 24.265% | 24.608% | 24.265% | 04/15/2025 | 716 |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 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<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [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 | $10901.88 | xxxxxx | 6.770% | $0.00 | 3.2 |  |  |  | No | No | 9.345% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.95 |  |  | No | xxxxxx | $17014.40 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836607 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7100.22 | $8097.09 |  | 8.072% | $8225.82 | $8225.82 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $19470.62 | 1 | xxxxxx | $6335.40 | xxxxxx | $527.95 | xxxxxx | xxxxxx | $5000.00 |  | Annually | 38.643% | 38.643% | 38.643% | 03/20/2025 | 711 |  |  |  |  |  |  |  |  |  | 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 - 2024<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 | $7100.22 |  | 6.620% | $68500.00 | 1.6 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $128367.48 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.81 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836612 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $9180.00 | $14401.88 | xxxxxx | 8.743% | $3813.81 | $3813.81 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7458.72 | 1 | xxxxxx | $2273.04 | xxxxxx | $189.42 |  |  |  |  |  | 40.570% | 40.570% | 40.570% | 03/28/2025 | 745 |  |  |  |  |  |  |  |  |  | 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 - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9180.00 | xxxxxx | 6.810% | $15000.00 | 1.1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $252484.28 | 41.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.06 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836704 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $10844.86 | $14892.47 | xxxxxx | 8.751% | $3844.51 | $3844.51 | 8.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7017.18 | 1 | xxxxxx | $1247.04 | xxxxxx | $103.92 | xxxxxx |  | $820.00 |  | Annually | 38.981% | 38.981% | 38.981% | 03/11/2025 | 675 |  |  |  |  |  |  |  |  |  | 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 | $10844.86 | xxxxxx | 6.810% | $10000.00 | 1 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $156973.30 | 25.000% | No | 23 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.07 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836716 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2645.00 | $5876.65 | xxxxxx | 7.946% | $6322.61 | $6322.61 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9634.88 | 1 | xxxxxx | $1841.04 | xxxxxx | $153.42 |  |  |  |  |  | 44.558% | 44.558% | 44.558% | 03/31/2025 | 802 |  |  |  |  |  |  |  |  |  | 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 - 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 | $2645.00 | xxxxxx | 6.810% | $0.00 |  |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $293060.22 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.45 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836730 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1931.04 | $1931.04 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $770.04 | xxxxxx | $64.17 | xxxxxx |  | $660.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/23/2025 | 715 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 117.04 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 836824 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11610.00 | $17221.20 | xxxxxx | 7.048% | $3327.31 | $3327.31 | 6.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5293.17 | 1 | xxxxxx | $1654.08 | xxxxxx | $137.84 | xxxxxx | xxxxxx | $270.00 |  | Monthly | 47.068% | 47.068% | 47.068% | 04/15/2025 | 771 |  |  |  |  |  |  |  |  |  | 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 | $11610.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $499723.97 | 58.000% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 28.58 |  |  | 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 | 836955 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9782.45 | $12189.65 | xxxxxx | 9.495% | $1982.71 | $1982.71 | 9.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $59416.25 | 1 | xxxxxx | $1713.00 | xxxxxx | $142.75 |  |  |  |  |  | 7.103% | 7.103% | 7.103% | 03/10/2025 | 752 |  |  |  |  |  |  |  |  |  | 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]; 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<br> [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 - 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 | $9782.45 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $21020.76 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837045 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15073.94 | $19381.94 | xxxxxx | 8.343% | $3825.88 | $3825.88 | 7.990% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15001.03 | 1 | xxxxxx | $2172.00 | xxxxxx | $181.00 |  |  |  |  |  | 28.341% | 28.341% | 28.341% | 05/07/2025 | 793 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 63.000% |  | 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]; 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]; 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]; 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]; 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 - 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 | No | xxxxxx | xxxxxx | $15073.94 | xxxxxx | 6.880% | $10000.00 | 1 |  |  |  | N/A | No | 7.990% | 2 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $37191.84 | 6.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11 |  | Yes | No | xxxxxx | $12970.48 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837136 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16000.00 | $24491.00 | xxxxxx | 9.152% | $6365.16 | $6365.16 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15456.76 | 1 | xxxxxx | $1620.12 | xxxxxx | $135.01 | xxxxxx |  | $0.00 |  | Monthly | 42.622% | 42.622% | 42.622% | 04/28/2025 | 702 |  |  |  |  |  |  |  |  |  | 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; 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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16000.00 | xxxxxx | 6.810% | $25000.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $205470.89 | 21.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837178 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12060.00 | $21267.00 | xxxxxx | 7.696% | $14155.87 | $14155.87 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $115088.12 | 1 | xxxxxx | $11354.28 | xxxxxx | $946.19 |  |  |  |  |  | 15.514% | 15.514% | 15.514% | 03/31/2025 | 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 - 2025<br> [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 - 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12060.00 | xxxxxx | 6.880% | $0.00 | 3 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $243293.64 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.47 |  | 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 | 837232 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5657.50 | $7034.19 | xxxxxx | 7.683% | $2490.95 | $2490.95 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12802.18 | 1 | xxxxxx | $2486.64 | xxxxxx | $207.22 | xxxxxx | xxxxxx | $233.00 |  | Monthly | 33.034% | 33.034% | 33.034% | 03/11/2025 | 801 |  |  |  |  |  |  |  |  |  | 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5657.50 | xxxxxx | 6.620% | $0.00 | 3.8 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $161149.02 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.21 |  | 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 | 837242 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12107.71 | $9325.52 | xxxxxx | 7.844% | $1823.50 | $1823.50 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10744.73 | 1 | xxxxxx | $1463.04 | xxxxxx | $121.92 |  |  |  |  |  | 48.049% | 48.049% | 48.049% | 03/19/2025 | 675 |  |  |  |  |  |  |  |  |  | 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 | $12107.71 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.07 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837243 | xxxxxx | N/A |  |  | xxxxxx | No | No | $41512.18 | $20607.68 | xxxxxx | 7.554% | $6604.58 | $6604.58 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20123.96 | 2 | xxxxxx | $1358.88 | xxxxxx | $113.24 |  |  |  |  |  | 39.832% | 39.832% | 39.832% | 03/13/2025 | 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]; 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 - Year Not Available<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 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $41512.18 | xxxxxx | 6.730% | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $288250.00 | 23.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837247 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6825.25 | $7661.20 | xxxxxx | 8.531% | $3876.37 | $3876.37 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5634.14 | 1 | xxxxxx | $1602.00 | xxxxxx | $133.50 |  |  |  |  |  | 45.167% | 45.167% | 45.167% | 01/27/2025 | 691 |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [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 | $6825.25 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | No | No | 8.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $71298.65 |  | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837248 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9640.00 | $3600.31 | xxxxxx | 8.766% | $4712.95 | $5386.84 | 9.334% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14270.93 | 1 | xxxxxx | $927.96 | xxxxxx | $77.33 | xxxxxx |  | $150.00 |  | Annually | 37.358% | 38.095% | 37.358% | 03/22/2025 | 690 |  |  |  |  |  |  |  |  |  | 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9640.00 | xxxxxx | 6.780% | $0.00 | 3.4 |  |  |  | No | No | 9.334% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3280.68 |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837254 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12410.00 | $16501.01 |  | 7.754% | $4391.07 | $4391.07 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $15832.86 | 1 | xxxxxx | $1596.96 | xxxxxx | $133.08 |  |  |  |  |  | 43.642% | 43.642% | 43.642% | 02/07/2025 | 765 |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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: 50.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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]; Other - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12410.00 |  | 6.620% | $7500.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $260540.60 | 33.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 16.94 |  | No | No | xxxxxx | $14008.52 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837262 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13250.00 | $7258.87 | xxxxxx | 8.386% | $1467.53 | $1467.53 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6321.75 | 1 | xxxxxx | $1879.80 | xxxxxx | $156.65 |  |  |  |  |  | 6.341% | 6.341% | 6.341% | 04/02/2025 | 692 |  |  |  |  |  |  |  |  |  | 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]; Business License - Year Not Available<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 | $13250.00 | xxxxxx | 6.620% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.69 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837271 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6918.75 | $7858.13 |  | 7.819% | $1730.56 | $1730.56 | 7.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $2821.47 | 1 | xxxxxx | $1212.48 | xxxxxx | $101.04 |  |  |  |  |  | 45.741% | 45.741% | 45.741% | 03/26/2025 | 756 |  |  |  |  |  |  |  |  |  | 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 | $6918.75 | xxxxxx | 6.700% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $46311.76 | 14.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 3.39 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837274 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5392.50 | $6258.65 | xxxxxx | 7.739% | $1884.38 | $1884.38 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5055.26 | 1 | xxxxxx | $1695.72 | xxxxxx | $141.31 | xxxxxx | xxxxxx | $5061.00 |  | Annually | 41.894% | 41.894% | 41.894% | 03/21/2025 | 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 | $5392.50 | xxxxxx | 6.810% | $500.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $52544.29 | 14.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837276 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14350.00 | $3234.33 | xxxxxx | 7.581% | $2796.86 | $2796.86 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $53923.49 | 1 | xxxxxx | $2586.00 | xxxxxx | $215.50 | xxxxxx |  | $725.00 |  | Monthly | 27.358% | 27.358% | 27.358% | 03/21/2025 | 796 |  |  |  |  |  |  |  |  |  | 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]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14350.00 | xxxxxx | 6.810% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $154846.96 | 31.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.41 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837309 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11934.00 | $7972.10 | xxxxxx | 7.697% | $4483.50 | $5738.32 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13069.40 | 1 | xxxxxx | $1707.00 | xxxxxx | $142.25 |  |  |  |  |  | 42.699% | 37.198% | 42.699% | 04/16/2025 | 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]; 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 | $11934.00 | xxxxxx | 6.880% | $0.00 | 1.2 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $845.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837323 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21045.00 | $29653.52 | xxxxxx | 7.913% | $6511.70 | $6511.70 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20263.65 | 1 | xxxxxx | $946.20 | xxxxxx | $78.85 |  |  |  |  |  | 42.489% | 42.489% | 42.489% | 04/18/2025 | 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]; 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 - 2018<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 | $21045.00 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $465931.21 | 41.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.14 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837357 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $24915.00 | $30796.39 |  | 7.628% | $7183.02 | $7183.02 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14855.72 | 1 | xxxxxx | $7647.00 | xxxxxx | $637.25 | xxxxxx | xxxxxx | $1430.00 |  | Annually | 48.868% | 48.868% | 48.868% | 05/04/2025 | 701 |  |  |  |  |  |  |  |  |  | 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 - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24915.00 | xxxxxx | 6.740% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $399987.83 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.94 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837365 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6710.00 | $9801.67 | xxxxxx | 8.720% | $2036.99 | $2036.99 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5443.86 | 1 | xxxxxx | $1980.72 | xxxxxx | $165.06 | xxxxxx |  | $25.00 |  | Monthly | 39.839% | 39.839% | 39.839% | 04/16/2025 | 676 |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6710.00 | xxxxxx | 6.880% | $5000.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $61429.60 | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837431 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9473.00 | $9024.80 | xxxxxx | 8.726% | $6726.87 | $7876.39 | 9.334% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $16417.00 | 1 | xxxxxx | $2560.68 | xxxxxx | $213.39 |  |  |  |  |  | 42.016% | 42.257% | 42.016% | 04/01/2025 | 760 |  |  |  |  |  |  |  |  |  | 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]; 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 | $9473.00 | xxxxxx | 6.770% | $0.00 | 1.4 |  |  |  | No | No | 9.334% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $147347.45 | 12.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 4.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837761 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $40572.50 | $18468.44 | xxxxxx | 7.263% | $7289.63 | $7289.63 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16507.37 | 1 | xxxxxx | $2526.96 | xxxxxx | $210.58 |  |  |  |  |  | 43.832% | 43.832% | 43.832% | 02/18/2025 | 681 |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; 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 | $40572.50 | xxxxxx | 6.650% | $0.00 | 2.5 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $82119.19 |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.38 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837770 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $5775.00 | $6764.50 | xxxxxx | 8.528% | $2573.11 | $3054.95 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6860.30 | 1 | xxxxxx | $1763.04 | xxxxxx | $146.92 | xxxxxx |  | $1150.00 |  | Annually | 40.345% | 36.155% | 40.345% | 03/31/2025 | 731 |  |  |  |  |  |  |  |  |  | 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 | $5775.00 | xxxxxx | 6.690% | $5000.00 | 1 |  |  |  | Yes | No | 9.353% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $124916.08 | 27.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.37 |  | 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 | 837773 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $27190.00 | $11183.65 | xxxxxx | 8.050% | $7983.36 | $7983.36 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20937.91 | 1 | xxxxxx | $3039.96 | xxxxxx | $253.33 |  |  |  |  |  | 40.195% | 40.195% | 40.195% | 04/17/2025 | 805 |  |  |  |  |  |  |  |  |  | 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 | $27190.00 | xxxxxx | 6.810% | $0.00 | 1.5 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $65637.09 | 5.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.67 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837775 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7345.00 | $9507.95 | xxxxxx | 7.646% | $2099.65 | $2099.65 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3405.36 | 1 | xxxxxx | $1770.96 | xxxxxx | $147.58 |  |  |  |  |  | 45.514% | 45.514% | 45.514% | 04/07/2025 | 762 |  |  |  |  |  |  |  |  |  | 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7345.00 | xxxxxx | 6.810% | $1500.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $132662.81 | 35.000% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.65 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | 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** |
| 834297 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04/10/2025 |  | Yes | 19 | xxxxxx as Nominee for 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 |
| 834525 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04/23/2025 |  | Yes | 24 | xxxxxx as Nominee for 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 |  |  |
| 834597 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04/23/2025 |  | Yes | 29 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2569 | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 835600 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04/10/2025 |  | Yes | 23 | xxxxxx as Nominee for 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** |
| 834297 | 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 99.09

**EXHIBIT 99.9**

**CANOPY FINANCIAL TECHNOLOGY PARTNERS, LLC ("CANOPY") NARRATIVE**

**NARRATIVE**

**Verus 2025-6**

**By Canopy Financial Technology Partners LLC on June 24, 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

**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 March 2025 to May 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one-hundred thirty-one (131) Loans with an aggregate principal balance of $66,703,492.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations ("NRSROs"), S&P Global Ratings and Moody's Investors Service, Inc.

**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;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &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 Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &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;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

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

**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 (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned properties are disclosed on the REO Section;

· Borrower(s) employment history;

· Citizenship and eligibility;

· First time home buyer status;

· The application was signed by all borrowers; and

· The application was substantially completed.

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

**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; and/or

· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC.

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

**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.

**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;

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

· 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); and

· Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

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.

**"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.

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

**"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; and

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (as applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure.

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

**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" v.02-16-2023);

---

| | |
|:---|:---|
| 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; and |
|  | **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).

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

&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;&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;&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;&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.

· 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.

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· 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.

· 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.

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· 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.

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.

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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.

· 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***

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.

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**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

---

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| | |
|:---|:---|
| &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. |

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**D** There was not sufficient documentation to perform a review or the credit file was not furnished.

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| | |
|:---|:---|
| &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** | 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** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

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**FINDINGS SUMMARY**

**Summary Overview** 

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews as graded to the criteria for Moody's Investors Service, Inc. and S&P Global Ratings. The overall grade assigned is the most severe grade from each of the component reviews.

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Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections for Moody's Investor Services, Inc. as follows: 58.02% (76 Loans) have an overall grade of "A"; 25.95% (34 Loans) have an overall grade of "B"; and 16.03% (21) have no grading.

Canopy's review concluded a Credit grade of "A" for 58.78%, or seventy-seven (77) Loans reviewed, and 25.19% (33 Loans) have a Credit grade of "B". Twenty-one (21) or 16.03% have no Credit grade.

Canopy's review concluded a Compliance grade of "A" for 82.44%, or one-hundred eight (108) Loans reviewed, and 1.53% (2 Loans) have a Compliance grade of "B". Twenty-one (21) or 16.03% have no Compliance grade.

Canopy's review concluded a Property/Valuation grade of "A" for 83.97%, or one-hundred ten (110) Loans reviewed, and 0.00% (0 Loans) have a Property/Valuation grade of "B". Twenty-one (21) or 16.03% have no Property grade.

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections for S&P Global Ratings as follows: 72.52% (95 Loans) have an overall grade of "A" and 27.48% (36 Loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 73.28%, or ninety-six (96) Loans reviewed, and 26.72% (35 Loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 98.47%, or one-hundred twenty-nine (129) Loans reviewed, and 1.53% (2 Loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, or one-hundred thirty-one (131) Loans reviewed, and 0.00% (0 Loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

&nbsp;&nbsp;**REVIEW TABLES - Moody's**

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| | | |
|:---|:---|:---|
| &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;76 | &nbsp;&nbsp;58.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;34 | &nbsp;&nbsp;25.95% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;21 | &nbsp;&nbsp;16.03% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &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;77 | &nbsp;&nbsp;58.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;33 | &nbsp;&nbsp;25.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;21 | &nbsp;&nbsp;16.03% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &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;108 | &nbsp;&nbsp;82.44% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;21 | &nbsp;&nbsp;16.03% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &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;110 | &nbsp;&nbsp;83.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;21 | &nbsp;&nbsp;16.03% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** |

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&nbsp;&nbsp;**REVIEW TABLES - S&P**

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| | | |
|:---|:---|:---|
| &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;95 | &nbsp;&nbsp;72.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;27.48% |
| &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;**131** | &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;96 | &nbsp;&nbsp;73.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;35 | &nbsp;&nbsp;26.72% |
| &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;**131** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &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;129 | &nbsp;&nbsp;98.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &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;**131** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &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;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** |

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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;122 | &nbsp;&nbsp;93.13% | &nbsp;&nbsp;$63368892.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.87% | &nbsp;&nbsp;$3334600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66703492.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;110 | &nbsp;&nbsp;83.97% | &nbsp;&nbsp;$61472030.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;21 | &nbsp;&nbsp;16.03% | &nbsp;&nbsp;$5231462.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66703492.00** |
| &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;3 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$1522500.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$1115000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;61 | &nbsp;&nbsp;46.56% | &nbsp;&nbsp;$31082837.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;10.69% | &nbsp;&nbsp;$6784094.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;42 | &nbsp;&nbsp;32.06% | &nbsp;&nbsp;$20030561.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.11% | &nbsp;&nbsp;$6168500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66703492.00** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$150000.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;128 | &nbsp;&nbsp;97.71% | &nbsp;&nbsp;$62645492.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% | &nbsp;&nbsp;$3908000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66703492.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;57 | &nbsp;&nbsp;43.51% | &nbsp;&nbsp;$32863406.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.82% | &nbsp;&nbsp;$1147250.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;69 | &nbsp;&nbsp;52.67% | &nbsp;&nbsp;$32692836.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$66703492.00** |

---

**DATA COMPARISON RESULTS**

Of the one-hundred thirty-one (131) Loan files reviewed, fifty - (50) unique loans (38.17% by number) had eighty (80) tape comparison discrepancies across twenty-three (23) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans <br> with <br> Discrepancy** | &nbsp;&nbsp;<br> **Total <br> Times<br> Compared** | &nbsp;&nbsp;<br> **% <br> Variance** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;131 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;131 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;131 | &nbsp;&nbsp;5.34% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;14 | &nbsp;&nbsp;131 | &nbsp;&nbsp;10.69% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;131 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;131 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;131 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;7 | &nbsp;&nbsp;131 | &nbsp;&nbsp;5.34% |
| &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;14 | &nbsp;&nbsp;131 | &nbsp;&nbsp;10.69% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;131 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;131 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Total Qualifying 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;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |

---

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

**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 creditworthiness, 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** |
| 825317 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 15:56 | 2025-05-08 13:18 | 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-05/08/2025 <br>Ready for Review-Document Uploaded. See Gap - Due Diligence Vendor-05/08/2025 <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. - Due Diligence Vendor-04/30/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/08/2025<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 - 9.69 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.81 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 - 31 Years |  | xxx.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 |
| 825317 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 15:56 | 2025-05-08 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Income worksheet provided and is in line with 1008s and diligence calculated income. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see attached Bank Statement Worksheet. - Due Diligence Vendor-05/08/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/30/2025 |  | Resolved-Income worksheet provided and is in line with 1008s and diligence calculated income. - Due Diligence Vendor-05/08/2025<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 - 9.69 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.81 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 - 31 Years |  | xxx.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 |
| 825317 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 16:52 | 2025-05-02 16:29 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-bank statement only program, and borrower has multiple NSFs over the last 12 months<br> - Due Diligence Vendor-04/30/2025 |  | Waived-bank statement only program, and borrower has multiple NSFs over the last 12 months<br> - Due Diligence Vendor-04/30/2025<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 - 9.69 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.81 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 - 31 Years | \* Reserves exceed requirement by 10 months or more, \* 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 | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 829936 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 830433 | xxxxxx | C A | Closed | xxxxxx | 2025-03-26 12:57 | 2025-04-02 07:39 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-04/02/2025 <br> Ready for Review-As explained in the provided Post Closing Cover Letter, there was a clerical error on the "date issued" date on the xxxxxx locked LE. The LE should have been dated xxxxxx, the actual date of issue, not xxxxxx. This is verified by the date stamp on the bottom of the LE and further documented by the provided disclosure tracking which confirm the provided LE was viewed on xxxxxx as well. Please escalate. - Seller-04/01/2025 <br> Counter-Documentation provided indicates a Lock date of xxxxxx, however the TRID disclosure provided indicates the Lock was not disclosed to the borrower until xxxxxx. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. 0% tolerance cure in the amount of $105.90 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Counter-Documentation provided is dated xxxxxx. However, Locked TRID disclosure dated xxxxxx per the COC form provided, is not included. ------A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked (xxxxxx). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Locked LE attached. - Seller-03/26/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*• Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked (xxxxxx). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. - Due Diligence Vendor-03/26/2025 | Ready for Review-As explained in the provided Post Closing Cover Letter, there was a clerical error on the "date issued" date on the xxxxxx locked LE. The LE should have been dated xxxxxx, the actual date of issue, not xxxxxx. This is verified by the date stamp on the bottom of the LE and further documented by the provided disclosure tracking which confirm the provided LE was viewed on xxxxxx as well. Please escalate. - Seller-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Ready for Review-Document Uploaded. Locked LE attached. - Seller-03/26/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-04/02/2025<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 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 34.05 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 - 22 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.05% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 - 10 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830433 | xxxxxx | C A | Closed | xxxxxx | 2025-03-26 12:57 | 2025-04-02 07:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-04/02/2025 <br> Ready for Review-As explained in the provided Post Closing Cover Letter, there was a clerical error on the "date issued" date on the xxxxxx locked LE. The LE should have been dated xxxxxx, the actual date of issue, not xxxxxx. This is verified by the date stamp on the bottom of the LE and further documented by the provided disclosure tracking which confirm the provided LE was viewed on xxxxxx as well. Please escalate. - Seller-04/01/2025 <br> Counter-Documentation provided indicates a Lock date of xxxxxx, however the TRID disclosure provided indicates the Lock was not disclosed to the borrower until xxxxxx. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. 0% tolerance cure in the amount of $105.90 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Counter-Documentation provided is dated xxxxxx. However, Locked TRID disclosure dated xxxxxx per the COC form provided, is not included. ------A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked (xxxxxx). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*• Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked (xxxxxx). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. - Due Diligence Vendor-03/26/2025 | Ready for Review-As explained in the provided Post Closing Cover Letter, there was a clerical error on the "date issued" date on the xxxxxx locked LE. The LE should have been dated xxxxxx, the actual date of issue, not xxxxxx. This is verified by the date stamp on the bottom of the LE and further documented by the provided disclosure tracking which confirm the provided LE was viewed on xxxxxx as well. Please escalate. - Seller-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-04/02/2025<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 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 34.05 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 - 22 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.05% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 - 10 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830433 | xxxxxx | C A | Closed | xxxxxx | 2025-03-26 12:57 | 2025-04-02 07:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-04/02/2025 <br> Ready for Review-As explained in the provided Post Closing Cover Letter, there was a clerical error on the "date issued" date on the xxxxxx locked LE. The LE should have been dated xxxxxx, the actual date of issue, not xxxxxx. This is verified by the date stamp on the bottom of the LE and further documented by the provided disclosure tracking which confirm the provided LE was viewed on xxxxxx as well. Please escalate. - Seller-04/01/2025 <br> Counter-Documentation provided indicates a Lock date of xxxxxx, however the TRID disclosure provided indicates the Lock was not disclosed to the borrower until xxxxxx. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. 0% tolerance cure in the amount of $105.90 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Counter-Documentation provided is dated xxxxxx. However, Locked TRID disclosure dated xxxxxx per the COC form provided, is not included. ------A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked (xxxxxx). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <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 $105.90.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). \*\*\*\*\*\*\*\*\*\*\*\*• Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked (xxxxxx). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\*\* All rate related change of circumstance events are subject to the rate being disclosed. - Due Diligence Vendor-03/26/2025 | Ready for Review-As explained in the provided Post Closing Cover Letter, there was a clerical error on the "date issued" date on the xxxxxx locked LE. The LE should have been dated xxxxxx, the actual date of issue, not xxxxxx. This is verified by the date stamp on the bottom of the LE and further documented by the provided disclosure tracking which confirm the provided LE was viewed on xxxxxx as well. Please escalate. - Seller-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-04/02/2025<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 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 34.05 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 - 22 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.05% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 - 10 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830433 | xxxxxx | C A | Closed | xxxxxx | 2025-03-26 12:39 | 2025-04-01 07:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Form/disclosure deficiency | Resolved-Clerical PCCD received, consequential finding resolved - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Counter- Final Closing Disclosure Page 4 escrow indicator failed to indicate "Lender does not offer" is required on 2nd CES loans. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-This is a second loan - TRID does not require on 2nds. - Seller-03/26/2025 <br>Open-\*\*\*\*\*• Final Closing Disclosure Page 4 escrow indicator failed to indicate "borrower declined" or "Lender does not offer" as required - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Ready for Review-This is a second loan - TRID does not require on 2nds. - Seller-03/26/2025<br>| Resolved-Clerical PCCD received, consequential finding resolved - Due Diligence Vendor-04/01/2025<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 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 34.05 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 - 22 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.05% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 - 10 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830433 | xxxxxx | C A | Closed | xxxxxx | 2025-03-26 07:12 | 2025-03-27 12:59 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx 3/2003 High Cost Home Loan Points and Fees Threshold Test | Resolved-A definitive mathematical relationship between discount points paid and the interest rate obtained via a rate sheet or pricing engine has been provided. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Counter-\*\*\*\* Please provide start/undiscounted rate to determine if bona fide points can be excluded. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (xxxxxx SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $20,000.00 or more.The lesser of 8 percent of the total loan amount or $1,000.00 if the total loan amount is less than $20,000.00. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-A definitive mathematical relationship between discount points paid and the interest rate obtained via a rate sheet or pricing engine has been provided. - Due Diligence Vendor-03/27/2025<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 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 34.05 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 - 22 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.05% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 - 10 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830707 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 830956 | xxxxxx | B A | Closed | xxxxxx | 2025-03-26 09:18 | 2025-03-26 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Waived-We need an exception for using business bank accounts and personal bank accounts for income. The borrower as per the CPA letter on the advice of his CPA started depositing his business funds into a personal account since he changed his business entity from an LLC to a sole proprietorship.<br> - Due Diligence Vendor-03/26/2025 |  | Waived-We need an exception for using business bank accounts and personal bank accounts for income. The borrower as per the CPA letter on the advice of his CPA started depositing his business funds into a personal account since he changed his business entity from an LLC to a sole proprietorship.<br> - Due Diligence Vendor-03/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.48% 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 - 28.5 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.1% 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 45.64 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 - 6.76 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 0.22<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines, 0x30 for 48 months on all mortgages. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |
| 830992 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 831130 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 831188 | 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 |  |  |  |
| 831281 | xxxxxx | C A | Closed | xxxxxx | 2025-03-25 05:20 | 2025-03-26 14:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan Points and Fees Threshold Test | Resolved-Excluding doc review charge to attorney - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Please re-review as the doc prep fee of 495 should not be included in this calculation - Due Diligence Vendor-03/26/2025 <br> Open-Loan failed High-Cost Mortgage Points and Fees Threshold Test due to exceeding the threshold by $469.20. - Due Diligence Vendor-03/26/2025 <br> Open-This loan failed the points and fees threshold test due to one of the following findings:<br> (xxxxxx AB 11856 §1, 6-L (1)(g)(ii))The total points and fees (as defined in xxxxxx AB 11856) exceed five percent of the total loan amount (as defined in xxxxxx AB 11856) if the total loan amount is fifty thousand dollars or more.The total points and fees exceed six percent of the total loan amount if the total loan amount is fifty thousand dollars or more and the loan is a purchase money loan guaranteed by the xxxxxx or the xxxxxx.The total points and fees exceed the greater of six percent of the total loan amount or fifteen hundred dollars, if the total loan amount is less than fifty thousand dollars. - Due Diligence Vendor-03/25/2025 |  | Resolved-Excluding doc review charge to attorney - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.2% 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 - 22 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.25% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) 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 | N/A | N/A | xxxxxx |
| 831281 | xxxxxx | C A | Closed | xxxxxx | 2025-03-25 05:20 | 2025-03-26 14:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx GRBB Part 41 High Cost Home Loan Points and Fees Threshold Test | Resolved-Excluding doc review charge to attorney - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Please re-review as the doc prep fee of 495 should not be included in this calculation - Due Diligence Vendor-03/26/2025 <br> Open-Loan failed High-Cost Mortgage Points and Fees Threshold Test due to exceeding the threshold by $469.20. - Due Diligence Vendor-03/26/2025 <br> Open-This loan failed the points and fees threshold test due to one of the following findings:<br> (xxxxxx GRBB Part 41.1(e)(6)(iii))The total points and fees, as defined in the legislation, exceed 5% of the total loan amount, as defined in the legislation, if the total loan amount is $50,000 or more.The total points and fees exceed 6% of the total loan amount if the total loan amount is $50,000 or more and the loan is a purchase money loan guaranteed by the xxxxxx or the xxxxxx.The total points and fees exceed the greater of 6% of the total loan amount or $1,500, if the total loan amount is less than $50,000. - Due Diligence Vendor-03/25/2025 |  | Resolved-Excluding doc review charge to attorney - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.2% 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 - 22 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.25% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) 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 | N/A | N/A | xxxxxx |
| 831281 | xxxxxx | C A | Closed | xxxxxx | 2025-03-25 05:20 | 2025-03-26 14:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan Mandatory Escrow Account Test | Resolved-Excluding doc review charge to attorney - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Please re-review as the doc prep fee of 495 should not be included in this calculation - Due Diligence Vendor-03/26/2025 <br> Open-Loan failed High-Cost Mortgage Points and Fees Threshold Test due to exceeding the threshold by $469.20. - Due Diligence Vendor-03/26/2025 <br> Open-This loan failed the high cost home loan mandatory escrow account test. (xxxxxx Banking Law 6-L (2)(t))This loan is a high-cost loan consummated on or after July 1, 2010 and does not collect reserves for the payment of homeowner's insurance and property taxes.No high-cost home loan shall be made after July first, two thousand ten unless the lender requires and collects the monthly escrow of property taxes and hazard insurance. With respect to a high-cost home loan, a borrower may waive escrow requirements by notifying the lender in writing after one year from consummation of the loan. The provisions of this paragraph shall not apply to a high-cost home loan that is a subordinate lien when the taxes and insurances are escrowed through another home loan or where the borrower can demonstrate a record of twelve months of timely payments of taxes and insurance on a previous home loan. - Due Diligence Vendor-03/25/2025 |  | Resolved-Excluding doc review charge to attorney - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.2% 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 - 22 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.25% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) 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 | N/A | N/A | xxxxxx |
| 831463 | xxxxxx | D A | Closed | xxxxxx | 2025-04-06 15:11 | 2025-04-07 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-First payment letter provided showing Escrowed. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. This was in the CLP. Payment is impounded. - Seller-04/07/2025 <br> Open-Missing tax and insurance and xxxxxx mortgage statement for xxxxxx. - Due Diligence Vendor-04/06/2025 | Ready for Review-Document Uploaded. This was in the CLP. Payment is impounded. - Seller-04/07/2025<br>| Resolved-First payment letter provided showing Escrowed. - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.62% 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 - 15 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 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<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 - 12.46 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831463 | xxxxxx | D A | Closed | xxxxxx | 2025-04-06 16:49 | 2025-04-07 14:52 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-a Disaster Inspection provided. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. This was in CLP. - Seller-04/07/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Guidelines for disaster areas should be followed for 120-days from the disaster period end date or the date of the event, whichever is later. Appraisals Completed After Disaster Event • Appraiser must comment on the adverse event and certify that there has been no change in the valuation. • Any existing damage notated from the original report must be repaired and re-inspected prior to purchase. The appraiser comment was not located in the report.<br> - Due Diligence Vendor-04/06/2025 | Ready for Review-Document Uploaded. This was in CLP. - Seller-04/07/2025<br>| Resolved-a Disaster Inspection provided. - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.62% 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 - 15 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 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<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 - 12.46 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831635 | xxxxxx | C A | Closed | xxxxxx | 2025-04-04 15:02 | 2025-04-10 19:21 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/10/2025 <br> Open-Primary Value Appraisal is Expired The original appraisal is dated xxxxxx, a recertification of value dated xxxxxx exceeds more than 120 days from the Note date of xxxxxx. - Due Diligence Vendor-04/04/2025 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/10/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.03 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831645 | xxxxxx | D B A | Closed | xxxxxx | 2025-03-17 13:09 | 2025-03-20 17:14 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA quesionnaire is now provided. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. see Questionnaire <br> - Due Diligence Vendor-03/20/2025 <br> Open-HOA Questionnaire Document status is Missing. Condo Questionnaire is missing - Due Diligence Vendor-03/17/2025 |  | Resolved-HOA quesionnaire is now provided. - Due Diligence Vendor-03/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.25 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 43.9% 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 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831645 | xxxxxx | D B A | Closed | xxxxxx | 2025-03-19 15:52 | 2025-03-19 15:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Subject is a xxxxxx requirement or minimum square footage.<br>Per guidelines - Condo: Subject Unit Minimum Requirements: Minimum 500 Square Feet, Full Size Kitchen, minimum of one (1) <br> bedroom - Due Diligence Vendor-03/19/2025 |  | Waived-Subject is xxxxxx requirement.<br>Per guidelines - Condo: Subject Unit Minimum Requirements: Minimum 500 Square Feet, Full Size Kitchen, minimum of one (1) <br> bedroom - Due Diligence Vendor-03/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.25 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 43.9% 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 776 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 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 831645 | xxxxxx | D B A | Closed | xxxxxx | 2025-03-17 13:40 | 2025-03-19 15:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Open-Housing History Does Not Meet Guideline Requirements Cannot Document Borrowers housing history as they currently live in xxxxxx - Due Diligence Vendor-03/17/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.25 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 43.9% 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 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed uner applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 831675 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-02 11:50 | 2025-04-04 09:22 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Updated 1008 & Loan approval now showing the correct 1st lien P&I was provided. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Counter-Per the First Lien Note for the Subject Property the P&I is $xxxxxx however Updated 1008 & Loan approval reflects 1st Lien as $xxxxxx - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-Possible pricing issue. 1008 and UW approval shows the exclusion of the first mortgage P&I for $xxxxxx and 3rd lien monthly payment for xxxxxx of $468. Currently the 1008 and approval reflect ratios without both of those payments for 15.405%/20.947%. Actual is 42.59%/47.86%. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Updated 1008 & Loan approval now showing the correct 1st lien P&I was provided. - Due Diligence Vendor-04/04/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 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 - 25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.15% 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 8.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831675 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-02 11:47 | 2025-04-04 09:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Counter-Document Uploaded. Per the First Lien Note for the Subject Property the P&I is $xxxxxx however Updated 1008 & Loan approval reflects 1st Lien as $xxxxxx - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-1008/Underwriting Summary Partially Provided Provide corrected 1008 and UW approval showing the inclusion of the first mortgage P&I of $xxxxxx and 3rd lien monthly payment for xxxxxx of $468. Currently the 1008 and approval reflect ratios without both of those payments for 15.405%/20.947%. Actual is 42.59%/47.86%. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/04/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 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 - 25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.15% 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 8.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831675 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-01 02:12 | 2025-04-03 09:42 | 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-04/03/2025 <br>Ready for Review-Document Uploaded. this was in CLP. - Seller-04/02/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. this was in CLP. - Seller-04/02/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 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 - 25 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.15% 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 8.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831675 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-01 01:41 | 2025-04-03 08:57 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-The Deed of Trust is Not Executed . Provide a fully executed Deed with Notary date and signature as well as the borrower. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-04/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 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 - 25 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.15% 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 8.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831675 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-01 01:42 | 2025-04-03 08:54 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. this was in CLP - Seller-04/02/2025 <br>Open-The Note is Not Executed . Provide a fully executed Note. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. this was in CLP - Seller-04/02/2025<br>| Resolved-The Note is Executed - Due Diligence Vendor-04/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 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 - 25 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.15% 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 8.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831755 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 831846 | xxxxxx | D A | Closed | xxxxxx | 2025-03-31 13:22 | 2025-04-11 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Asset 3 Missing Provide xxxxxx xxxxxx account statement reflecting $68,325.03 as the ending as it was not provided at the time of review and was used for the approval. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-04/11/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831846 | xxxxxx | D A | Closed | xxxxxx | 2025-03-31 13:22 | 2025-04-11 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Asset 4 Missing Provide xxxxxx xxxxxx account statement reflecting $31,370.41 as the ending as it was not provided at the time of review and was used for the approval. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-04/11/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831846 | xxxxxx | D A | Closed | xxxxxx | 2025-03-31 13:22 | 2025-04-11 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Asset 5 Missing Provide xxxxxx xxxxxx account statement reflecting $27,744.86 as the ending as it was not provided at the time of review and was used for the approval. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-04/11/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831847 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 831932 | xxxxxx | D A | Closed | xxxxxx | 2025-04-22 16:43 | 2025-04-28 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. Please see guaranty - Due Diligence Vendor-04/28/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-04/22/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/28/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.52% 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 16.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831932 | xxxxxx | D A | Closed | xxxxxx | 2025-04-14 14:31 | 2025-04-22 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 provided. Market rents of $5000.00 is higher than what Lender used of $4000.00. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. please see appraisal with 1007 - Due Diligence Vendor-04/22/2025 <br>Open-Missing rent comparable schedule form 1007. - Due Diligence Vendor-04/14/2025 |  | Resolved-1007 provided. Market rents of $5000.00 is higher than what Lender used of $4000.00. - Due Diligence Vendor-04/22/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.52% 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 16.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831977 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 832337 | 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 |  |  |  |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 11:45 | 2025-04-11 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-VOM received and shows 0 lates in last 12 months. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. VOM - Due Diligence Vendor-04/11/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for subject property with xxxxxx Lending to support a complete 12-month history as not located on credit report. - Due Diligence Vendor-04/08/2025 |  | Resolved-VOM received and shows 0 lates in last 12 months. - Due Diligence Vendor-04/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 10:41 | 2025-04-11 15:29 | 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 original appraised value within a -10.0% variance (0.00%). - Due Diligence Vendor-04/11/2025 <br> Open-Document Uploaded. Appraisal review uploaded - Due Diligence Vendor-04/11/2025 <br> Open-Missing 3rd party Valuation Product to support appraised value within 10% OR Submission Summary Report with CU score <=2.5. - Due Diligence Vendor-04/08/2025 |  | Resolved-Desk review value of $xxxxxx supports the original appraised value within a -10.0% variance (0.00%). - Due Diligence Vendor-04/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 11:35 | 2025-04-10 18:57 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Document Uploaded. - Due Diligence Vendor-04/10/2025 <br> Resolved-Permanent Resident Alien card receieved and no issues. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/10/2025 <br> Open-Missing borrower Identity documents: GL examples ((State-Issued Identification, xxxxxx. Passport, Permanent Resident Alien Card, VISA) - Due Diligence Vendor-04/08/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-04/10/2025 <br>Resolved-Permanent Resident Alien card receieved and no issues. - Due Diligence Vendor-04/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 10:34 | 2025-04-10 18:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Document Uploaded. OA received for entity. No issues with OA. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Attached xxxxxx, entity documentation. - Due Diligence Vendor-04/10/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxxxxx as 2nd vested business entity in Multi-Level Structured loan. File contains closing disclosures for this Entity only and entity documents for different loan file for (xxxxxx) - Due Diligence Vendor-04/08/2025 |  | Resolved-Document Uploaded. OA received for entity. No issues with OA. - Due Diligence Vendor-04/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 11:27 | 2025-04-10 18:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. flood cert - Due Diligence Vendor-04/10/2025 <br> Open-Missing Flood Certificate Missing Subject Property Flood Certificate and Flood Policy, if applicable. File contains Flood Cert for 5900 $5902 xxxxxx. - Due Diligence Vendor-04/08/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 10:34 | 2025-04-10 18:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-OE received for xxxxxx. No issues. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Operating agreement attached - Due Diligence Vendor-04/10/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxxxxx as 1st vested business entity in Multi-Level Structured loan. File contains closing disclosures for this Entity only and entity documents for different loan file for xxxxxx - Due Diligence Vendor-04/08/2025 |  | Resolved-OE received for xxxxxx. No issues. - Due Diligence Vendor-04/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 10:58 | 2025-04-08 11:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Collections, liens or judgments not paid at closing | Waived-Exception request for open liens and judgments reflected the fraud report - Two civil judgements totalling $xxxxxx are present from 2011 and, per borrower LOE, creditors are no longer in business. - Due Diligence Vendor-04/08/2025 |  | Waived-Exception request for open liens and judgments reflected the fraud report - per the borrower these are over 10 years old and the creditors are no longer in business. - Due Diligence Vendor-04/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Credit Score 30+ points > minimum required, Subject property home ownership > 2 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 832401 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-08 11:45 | 2025-04-08 11:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception request for borrower living rent free with family, unable to provide primary VOR/VOM history<br> - Due Diligence Vendor-04/08/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception request for borrower living rent free with family, unable to provide primary VOR/VOM history<br> - Due Diligence Vendor-04/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.83 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 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Credit Score 30+ points > minimum required, Subject property home ownership > 2 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 832473 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 832500 | xxxxxx | B A | Closed | xxxxxx | 2025-03-06 16:54 | 2025-03-06 16:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Consumer lates exceed guidelines | Waived-Exception approved for Mortgage late with in 12 months. - Due Diligence Vendor-03/06/2025 |  | Waived-Exception approved for Mortgage late with in 12 months. - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.51 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Fico 724. Reserves 38 months + PITIA. 5 years plus Business Ownership. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 832500 | xxxxxx | B A | Closed | xxxxxx | 2025-03-06 16:52 | 2025-03-06 16:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Exception approved for More than 10 financed properties owned by one borrower. - Due Diligence Vendor-03/06/2025 |  | Waived-Exception approved for More than 10 financed properties owned by one borrower. - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.51 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Fico 724. Reserves 38 months + PITIA. 5 years plus Business Ownership. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 832500 | xxxxxx | B A | Closed | xxxxxx | 2025-03-06 16:32 | 2025-03-06 16:45 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Exception approved for use of Investment property payment history as primary housing history. - Due Diligence Vendor-03/06/2025 |  | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Exception approved for use of Investment property payment history as primary housing history. - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.51 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 - 27.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Fico 724. Reserves 38 months + PITIA. 5 years plus Business Ownership. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 832504 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-06 12:43 | 2025-03-12 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Approved Lender Exception: Exception required for investor concentration exceeding guidelines. There is >20% single entity ownership (75% or xxxxxx are NOO owned by borrower) - Due Diligence Vendor-06/09/2025 <br> Open-xxxxxx project does not meet guidelines. Missing lender exception for 3 exceptions mentioned page 448 about ?20% single entity ownership, > 60% investor concentration. Borrower owns xxxxxx project. - Due Diligence Vendor-06/09/2025 |  | Waived-Approved Lender Exception: Exception required for investor concentration exceeding guidelines. There is >20% single entity ownership (75% or xxxxxx units are NOO owned by borrower) - Due Diligence Vendor-06/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DSCR 1.03<br> 8 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 832504 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-06 12:45 | 2025-03-12 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception provided. Actual LTV of 68.64% exceeds guideline max of 65% after accounting for 5% LTV reduction for declining market value. - Due Diligence Vendor-06/09/2025 <br>Open-Appraiser notes property in declining market. (page 461 of guidelines) If the appraisal states the subject property is located in declining market, an exception required with 5-25% reduction in LTV. Current guideline LTV is 70% based on vacant unleased condo. Further 5% reduction would be an additional lender exception.<br> - Due Diligence Vendor-06/09/2025 |  | Waived-Lender exception provided. Actual LTV of 68.64% exceeds guideline max of 65% after accounting for 5% LTV reduction for declining market value. - Due Diligence Vendor-03/06/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DSCR 1.03<br> 8 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 832504 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-06 12:18 | 2025-03-12 13:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Approved Lender Exception: Exception required on not meeting 48 months seasoning requirement on loan modification. Maturity date on loan from xxxxxx xxxxxx was modified from xxxxxx - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception needed for not meeting 48 months seasoning on loan modification. Loan being paid modified from xxxxxx. (memo mentioning page 447-448) - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Waived-Approved Lender Exception: Exception required on not meeting 48 months seasoning requirement on loan modification. Maturity date on loan from xxxxxx xxxxxx was modified from xxxxxx - Due Diligence Vendor-03/12/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DSCR 1.03<br> 8 months reserves | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 832505 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 13:09 | 2025-03-14 08:36 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Updated Appraisal Provided. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Appraiser marked as subject is "tenant occupied" it is clear per photos this is "vacant". Provide updated appraisal reflecting "vacant" - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Updated Appraisal Provided. - Due Diligence Vendor-03/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.59 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 - 24.91 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832505 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 12:59 | 2025-03-12 14:29 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/12/2025 <br> Ready for Review-4.1.24 to 4.1.25 Please check policy - Seller-03/11/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-03/05/2025 | Ready for Review-4.1.24 to 4.1.25 Please check policy - Seller-03/11/2025<br>| Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/12/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.59 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 - 24.91 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832505 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 06:52 | 2025-03-05 13:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-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. Exception required on not meeting 48 months seasoning requirement on loan modification. Maturity date on loan from xxxxxx xxxxxx was modified from xxxxxx <br> - Due Diligence Vendor-03/05/2025 |  | Waived-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. Exception required on not meeting 48 months seasoning requirement on loan modification. Maturity date on loan from xxxxxx xxxxxx was modified from xxxxxx <br> - Due Diligence Vendor-03/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.59 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 - 24.91 Years | · DSCR 1.05 <br> · 19 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832505 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 06:56 | 2025-03-05 13:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception provided. Actual LTV of 69.85% exceeds guideline max of 65% after accounting for 5% LTV reduction for declining market value-03/05/2025 |  | Waived-Lender exception provided. Actual LTV of 69.85% exceeds guideline max of 65% after accounting for 5% LTV reduction for declining market value-03/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.59 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 - 24.91 Years | · DSCR 1.05 <br> · 19 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832505 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 06:58 | 2025-03-05 13:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Guideline Violation: Property is not Owner Occupied | Waived-Exception required for >20% single entity ownership (75% or xxxxxx units are non-owner occupied) - Due Diligence Vendor-03/05/2025 |  | Waived-Exception required for >20% single entity ownership (75% or xxxxxx units are non-owner occupied) - Due Diligence Vendor-03/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.59 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 - 24.91 Years | · DSCR 1.05 <br> · 19 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832505 | xxxxxx | C B A | Closed | xxxxxx | 2025-03-05 06:59 | 2025-03-05 13:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception required for >60% investor concentration (75% or xxxxxx units are non-owner occupied) - Due Diligence Vendor-03/05/2025 |  | Waived-Exception required for >60% investor concentration (75% or xxxxxx units are non-owner occupied) - Due Diligence Vendor-03/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.59 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 - 24.91 Years | · DSCR 1.05 <br> · 19 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832610 | xxxxxx | D A | Closed | xxxxxx | 2025-03-31 15:25 | 2025-04-03 09:47 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-Updated 1008, PCCD, and DSCR worksheet provided now reflecting the HOA fee being removed. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. 1008, worksheet and corrected page 1 cd no HOA box marked - Buyer-04/02/2025 <br> Counter-Document Uploaded. The Lender DSCR worksheet reflects an HOA fee of $233.00 & Final CD HOA box is checked. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. NO HOA Questionaire ... xxxxxx units only. final cd signed @ docs does not show hoa dues. - Buyer-03/31/2025 <br> Open-HOA Questionnaire Document status is Missing. Missing HOA documentation. Per appraisal, no HOA however, final CD and lender documentation indicates HOA fee $233. - Due Diligence Vendor-03/31/2025 |  | Resolved-Updated 1008, PCCD, and DSCR worksheet provided now reflecting the HOA fee being removed. - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 132.36 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 805 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 39.44% Is Below The Guideline Maximum Of 75% 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 - 23 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832655 | 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 |  |  |  |
| 832679 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-01 17:31 | 2025-04-03 12:54 | Resolved | 1 - Information A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Updated Tax information. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-this loan is a purchase, we used the 1.25% to determine the taxes - Buyer-04/02/2025 <br> Open-Minimum DSCR per Multi DSCR program guide is 1.0. Per review the DSCR is .980. The variance is due to the total monthly tax payment. Lender used a lower amount for monthly tax payment than what is stated on the title and tax cert. - Due Diligence Vendor-04/01/2025 |  | Resolved-Updated Tax information. - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 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 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832679 | xxxxxx | D A C | Closed | xxxxxx | 2025-03-28 15:03 | 2025-04-03 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 776 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Per xxxxxx guidelines attached please use hubbys score - Buyer-04/02/2025 <br> Open-Audited FICO of 697 is less than Guideline FICO of 700 For the Multi DSCR program the minimum DSCR is 700. 6 unit properties not allowed under regular DSCR program. - Due Diligence Vendor-03/28/2025 |  | Resolved-Audited FICO of 776 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 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 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832679 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-02 09:15 | 2025-04-03 12:47 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Full appraisal completed on xxxxxx - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. no pdi ... xxxxxx. appraisal was done xxxxxx after the xxxxxx ended in xxxxxx - Buyer-04/02/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-04/02/2025 |  | Resolved-Full appraisal completed on xxxxxx - Due Diligence Vendor-04/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 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 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832693 | 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 |  |  |  |
| 832764 | 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 |  |  |  |
| 832779 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 832866 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 832977 | xxxxxx | C A | Closed | xxxxxx | 2025-04-09 09:59 | 2025-04-11 08:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (new creditor with H-9 form type) | Resolved-H-9 contains additional verbiage that informs the borrower that the right of rescission applies only to the new credit transaction and does not allow rescission of the prior loan. Right to Cancel period and information is substantially included in both form H-8 and H-9. corrected form forwarded for informational transparency. xxxxxx. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. New NTRC was sent today via FedEx - please see attached. xxxxxx. - Seller-04/10/2025 <br> Ready for Review--per xxxxxx Closer: I disagree with this finding. The previous lender was xxxxxx. We were Commerce before we became Change Lending. Therefore the NORTC is a Same Lender, which what was executed at closing. - Seller-04/10/2025 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (New creditor with H-9 form type). - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. New NTRC was sent today via FedEx - please see attached. xxxxxx. - Seller-04/10/2025 <br> Ready for Review--per xxxxxx Closer: I disagree with this finding. The previous lender was xxxxxx. We were Commerce before we became Change Lending. Therefore the NORTC is a Same Lender, which what was executed at closing. - Seller-04/10/2025 | Resolved-H-9 contains additional verbiage that informs the borrower that the right of rescission applies only to the new credit transaction and does not allow rescission of the prior loan. Right to Cancel period and information is substantially included in both form H-8 and H-9. corrected form forwarded for informational transparency. xxxxxx. - Due Diligence Vendor-04/11/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.86% Is Below the Guideline Maximum Of 85% 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 - 6.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.27% 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 - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.3 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 - 6.06 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832977 | xxxxxx | C A | Closed | xxxxxx | 2025-04-09 13:40 | 2025-04-11 08:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*\*Section B has the Tax Service fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name or fee placement. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-04/11/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.86% Is Below the Guideline Maximum Of 85% 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 - 6.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.27% 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 - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.3 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 - 6.06 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833023 | 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 |  |  |  |
| 833176 | xxxxxx | B A | Closed | xxxxxx | 2025-04-10 10:11 | 2025-04-10 13:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception request for xxxxxx, below the minimum allowed of 500 SQ FT - Due Diligence Vendor-04/10/2025 |  | Waived-Exception request for xxxxxx SQ FT of xxxxxx, below the minimum allowed of 500 SQ FT - Due Diligence Vendor-04/10/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% 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 - 14.66 Years | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 833176 | xxxxxx | B A | Closed | xxxxxx | 2025-04-10 10:14 | 2025-04-10 13:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception for mixed use and common area are not fully completed within project. - Due Diligence Vendor-04/10/2025 |  | Waived-Exception for mixed use and common area are not fully completed within project. - Due Diligence Vendor-04/10/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% 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 - 14.66 Years | \* LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> \* DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 833203 | xxxxxx | B A | Closed | xxxxxx | 2025-05-01 16:55 | 2025-05-01 16:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Foreign National or Non-U.S. Citizen Indicator | Waived-Borrower is a non- Permanent Resident EAD xxxxxx-They are self-employed w/ no Petitioner MY EAD card has expired, and the -797-form approval Status form is set to expire in <6 months. Requesting exception to proceed w/out receipt of Extension due to delays in processing. Per Government web https://www.uscis.gov/eadautoextend an extension will be automatic. Waiting on the paper-trail will cause borrower to extend agreed closing date w/ seller. - Due Diligence Vendor-05/01/2025 |  | Waived-Borrower is a non- Permanent Resident EAD xxxxxx-They are self-employed w/ no Petitioner MY EAD card has expired, and the -797-form approval Status form is set to expire in <6 months. Requesting exception to proceed w/out receipt of Extension due to delays in processing. Per Government web https://www.uscis.gov/eadautoextend an extension will be automatic. Waiting on the paper-trail will cause borrower to extend agreed closing date w/ seller. - Due Diligence Vendor-05/01/2025 | 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 0.14<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 - 6.07 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% 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 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.48 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 26.7% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | \* Employed in same profession > 2 years<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* 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 | Originator Pre-Close | Yes | xxxxxx |
| 833203 | xxxxxx | B A | Closed | xxxxxx | 2025-04-30 16:51 | 2025-04-30 16:51 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Non-permanent resident alien requires 24 mos doc program Request exception to allow with 12 months program - Due Diligence Vendor-04/30/2025 |  | Waived-Non-permanent resident alien requires 24 mos doc program Request exception to allow with 12 months program - Due Diligence Vendor-04/30/2025<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 0.14<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 - 6.07 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% 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 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.48 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 26.7% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | \* Employed in same profession > 2 years<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* 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 | Originator Pre-Close | Yes | xxxxxx |
| 833203 | xxxxxx | B A | Closed | xxxxxx | 2025-04-30 16:47 | 2025-04-30 16:47 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Gift funds are not allowed for non-permanent resident alien Request exception to allow - Due Diligence Vendor-04/30/2025 |  | Waived-Gift funds are not allowed for non-permanent resident alien Request exception to allow - Due Diligence Vendor-04/30/2025<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 0.14<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 - 6.07 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% 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 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.48 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 26.7% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | \* Employed in same profession > 2 years<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* 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 | Originator Pre-Close | Yes | xxxxxx |
| 833245 | xxxxxx | D A B | Closed | xxxxxx | 2025-04-21 18:36 | 2025-04-29 13:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Document Uploaded. - Due Diligence Vendor-04/29/2025 <br> Resolved-Document Uploaded. - Due Diligence Vendor-04/29/2025 <br> Resolved-City on updated Note is now reflective of xxxxxx. No other issues. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. uploaded corrected Note - Due Diligence Vendor-04/28/2025 <br> Open-Missing corrected Note with subject property City corrected from "xxxxxx" to "xxxxxx". - Due Diligence Vendor-04/21/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-04/29/2025 <br> Resolved-Document Uploaded. - Due Diligence Vendor-04/29/2025 <br> Resolved-City on updated Note is now reflective of xxxxxx. No other issues. - Due Diligence Vendor-04/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.57 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 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833245 | xxxxxx | D A B | Closed | xxxxxx | 2025-04-16 13:35 | 2025-04-17 16:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. please see CLA - Due Diligence Vendor-04/17/2025 <br>Open-1008/Underwriting Summary Not Provided Final 1008 is missing - Due Diligence Vendor-04/16/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.57 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 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833521 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 20:26 | 2025-05-13 18:14 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see PCCD for your review. - Due Diligence Vendor-05/13/2025 <br> Counter-• Borrower executed documents are physically dated xxxxxx, after Final Closing Disclosure Disbursement date of xxxxxx and after the Notary date of xxxxxx (except the correction agreement pg 720, dated xxxxxx). \*\*\*\*\*Please Provided Post Consummation Closing Disclosure with actual disbursement date, and Confirmation from title, as to the actual notary date (xxxxxx). A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. This is a xxxxxx loan, and we don't get a final SS unless changes were made by title for fees. The disbursement date will be xxxxxx which is what is shown on the seller CD. - Due Diligence Vendor-04/29/2025 <br> Open-Lender to provide a copy of the final settlement statement to confirm the correct disbursement date. - Due Diligence Vendor-04/24/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025<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 - 15.25 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 - 27 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.66 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf<br> xxx.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 |
| 833521 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 20:13 | 2025-04-29 07:16 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD received - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD. - Due Diligence Vendor-04/29/2025 <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 ($4,207.71) does not exceed or equal the comparable sum of specific and non-specific lender credits ($8,082.21). 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). \*\*The lender credits in Section J of the Post Close CD issued xxxxxx decreased to $4,207.71. Lender credits cannot decrease post-close. - Due Diligence Vendor-04/24/2025 |  | Cured-Curative PCCD received - Due Diligence Vendor-04/29/2025<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 - 15.25 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 - 27 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.66 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.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 |
| 833521 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-21 15:12 | 2025-04-21 15:12 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Exception for 6 NSF negative balances in the last 12 months - Due Diligence Vendor-04/21/2025 |  | Waived-Exception for 6 NSF negative balances in the last 12 months - Due Diligence Vendor-04/21/2025<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 - 15.25 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 - 27 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.66 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | \* Reserves exceed requirement by 10 months or more<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* 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 |
| 833534 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833620 | xxxxxx | D A | Closed | xxxxxx | 2025-04-21 18:29 | 2025-05-02 11:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Updated Appraisal stating: Appraiser has notes this property is located within an area that was in a FEMA Hazard that ended xxxxxx. There were no adverse effects for<br> the property or immediate surrounding neighborhoods.<br> - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. comment regarding fema post disaster - Buyer-05/01/2025 <br> Counter-Missing comment from appraiser that recent FEMA disaster did not have an impact on valuation. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. please see updated xxxxxx - Buyer-04/22/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Missing comment from appraiser that recent FEMA disaster did not have an impact on valuation. - Due Diligence Vendor-04/21/2025 |  | Resolved-Updated Appraisal stating: Appraiser has notes this property is located within an area that was in a FEMA Hazard that ended xxxxxx. There were no adverse effects for<br> the property or immediate surrounding neighborhoods.<br> - Due Diligence Vendor-05/02/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% 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 - 13.44 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 419.65 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 - 13.43 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833620 | xxxxxx | D A | Closed | xxxxxx | 2025-04-10 21:12 | 2025-04-14 08:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business LLC documents provided. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/11/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Articles of Organization missing. - Due Diligence Vendor-04/11/2025 |  | Resolved-Business LLC documents provided. - Due Diligence Vendor-04/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% 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 - 13.44 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 419.65 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 - 13.43 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833682 | xxxxxx | D A | Closed | xxxxxx | 2025-04-16 12:58 | 2025-04-18 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Docs for xxxxxx provided. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. See docs - Buyer-04/18/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing articles of organization, operating agreement and IRS TIN. - Due Diligence Vendor-04/16/2025 |  | Resolved-Business Docs for xxxxxx provided. - Due Diligence Vendor-04/18/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.47% 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833721 | xxxxxx | D A | Closed | xxxxxx | 2025-04-09 08:33 | 2025-04-17 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-All Business LLC Documents provided. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <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-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-All Business LLC Documents provided. - Due Diligence Vendor-04/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833721 | xxxxxx | D A | Closed | xxxxxx | 2025-04-07 11:43 | 2025-04-16 14:43 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833794 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833821 | xxxxxx | D A | Closed | xxxxxx | 2025-04-03 15:57 | 2025-04-11 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-US Patriot Act Form provided - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. here you go - Seller-04/11/2025 <br> Counter-xxxxxx for the confusion: Missing the US patriot Act Form - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Where you are finding info for citizenship not being US? - Buyer-04/08/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. here you go - Seller-04/11/2025<br>| Resolved-US Patriot Act Form provided - Due Diligence Vendor-04/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 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 - 6.66 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.32% 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 48.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833821 | xxxxxx | D A | Closed | xxxxxx | 2025-04-03 16:18 | 2025-04-08 15:39 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Assignments of Leases and Rents Rider provided. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/07/2025 <br> Open-1-4 Family Rider is Missing - Due Diligence Vendor-04/03/2025 |  | Resolved-Assignments of Leases and Rents Rider provided. - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 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 - 6.66 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.32% 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 48.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833821 | xxxxxx | D A | Closed | xxxxxx | 2025-04-03 16:18 | 2025-04-08 15:38 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 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 - 6.66 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.32% 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 48.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833821 | xxxxxx | D A | Closed | xxxxxx | 2025-04-03 15:47 | 2025-04-08 15:38 | 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-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 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 - 6.66 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.32% 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 48.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833841 | xxxxxx | B A | Closed | xxxxxx | 2025-03-26 08:16 | 2025-03-28 10:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 67.5% exceeds Guideline LTV of 60% EXCEPTION APPROVAL REQUIRED FOR LTV OF 67.500%. MAX LTV ALLOWED IS 60% - Due Diligence Vendor-03/26/2025 |  | Waived-Audited LTV of 67.5% exceeds Guideline LTV of 60% EXCEPTION APPROVAL REQUIRED FOR LTV OF 67.500%. MAX LTV ALLOWED IS 60% - Due Diligence Vendor-03/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 40.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | · FICO is 758. Min FICO 660. <br> · Appraised value of $xxxxxx supported by xxxxxx, 0.0% variance. <br> · DSCR is 1.16 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833841 | xxxxxx | B A | Closed | xxxxxx | 2025-03-26 08:16 | 2025-03-28 10:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-EXCEPTION APPROVAL FOR COLLATERAL/ZONING, PROPERTY IS xxxxxx UNITS, BUT ZONED SFR. - Due Diligence Vendor-03/26/2025 | Appraisal notes legal non conforming usage and can be rebuilt. Permitting provided to appraiser. - 03/28/2025 <br>| Waived-EXCEPTION APPROVAL FOR COLLATERAL/ZONING, PROPERTY IS xxxxxx UNITS, BUT ZONED SFR. - Due Diligence Vendor-03/26/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 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 40.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | · FICO is 758. Min FICO 660. <br> · Appraised value of $xxxxxx supported by xxxxxx, 0.0% variance. <br> · DSCR is 1.16 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833860 | xxxxxx | D A | Closed | xxxxxx | 2025-04-13 11:46 | 2025-04-16 07:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business LLC documents provided. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <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-04/13/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Business LLC documents provided. - Due Diligence Vendor-04/16/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% 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 24.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833860 | xxxxxx | D A | Closed | xxxxxx | 2025-04-09 10:51 | 2025-04-16 07:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/16/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% 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 24.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833893 | xxxxxx | B A | Closed | xxxxxx | 2025-04-03 11:42 | 2025-04-03 11:42 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Lease Agreement | Waived-Borrower is unable to provide leases for property and rent is paid in cash. Request exception to allow. Lox # xxxxxx- Due Diligence Vendor-04/03/2025 |  | Waived-Borrower is unable to provide leases for property and rent is paid in cash. Request exception to allow. Lox # xxxxxx - Due Diligence Vendor-04/03/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.91 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.18% 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 104.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | \* Current primary home ownership > 10 years . <br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines . |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833898 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833928 | 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 |  |  |  |
| 833930 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 833957 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-17 02:55 | 2025-04-22 23:15 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Rate lock provided. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Lock uploaded - Due Diligence Vendor-04/23/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/17/2025 |  | Resolved-Rate lock provided. - Due Diligence Vendor-04/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.26% 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 81.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833957 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-16 18:32 | 2025-04-16 18:32 | Waived | 2 - Non-Material B | Credit | Title | Title issue | Waived-Exception request for xxxxxx reflected on title. - Due Diligence Vendor-04/16/2025 |  | Waived-Exception request for xxxxxx leases reflected on title. - Due Diligence Vendor-04/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.26% 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 81.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | \* LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> \* Reserves exceed requirement by 10 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 833957 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-16 18:29 | 2025-04-16 18:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Waived-Cash in hand exceeds guideline maximum of $300,000 - Due Diligence Vendor-04/16/2025 |  | Waived-Cash in hand exceeds guideline maximum of $300,000 - Due Diligence Vendor-04/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.26% 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 81.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | \* LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> \* Reserves exceed requirement by 10 months or more.<br>|  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 834042 | 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 |  |  |  |
| 834056 | xxxxxx | C A | Closed | xxxxxx | 2025-04-07 12:15 | 2025-04-09 13:40 | Resolved | 1 - Information C A | Credit | Income | Income documentation does not meet guidelines | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. We don't have a copy of FEB 2024.The calculations were started in MARCH 2024.<br> Attached Calculation worksheet for xxxxxx and xxxxxx and xxxxxx xxxxxx - Seller-04/08/2025 <br> Open-Unable to determine how lender came up with $25,307.73. Please provide supporting documentation to verify monthly income amount. <br> QC Notes: <br> Bank Statement income calculation for xxxxxx xxxxxx - Only able to confirm $15,152.99/month. <br> Bank Statement income calculation for xxxxxx xxxxxx - Missing lender income sheet, as well as Statement from Feb 2024<br> Bank Statement income calc for xxxxxx xxxxxx - $0 - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. We don't have a copy of FEB 2024.The calculations were started in MARCH 2024.<br> Attached Calculation worksheet for xxxxxx and xxxxxx and xxxxxx xxxxxx - Seller-04/08/2025 | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025<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 - 29.35 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.4% Is Below the Guideline Maximum Of 80% 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 - 18.00 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 - 37.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.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 |
| 834056 | xxxxxx | C A | Closed | xxxxxx | 2025-04-07 12:35 | 2025-04-09 13:38 | Resolved | 1 - Information C A | Credit | Income | Potential Employment/income Issues identified in the file | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Attached Documentation for xxxxxx. Business License and print out showing xxxxxx - Seller-04/08/2025 <br> Open-xxxxxx xxxxxx listed business name as "xxxxxx". Provide supporting documentation of business ownership. CPA letter in file only confirms ownership of xxxxxx. - Due Diligence Vendor-04/07/2025 | xxxxxx seen as xxxxxx on license info. - 04/09/2025 <br>Ready for Review-Document Uploaded. Attached Documentation for xxxxxx. Business License and print out showing xxxxxx - Seller-04/08/2025 | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025<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 - 29.35 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.4% Is Below the Guideline Maximum Of 80% 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 - 18.00 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 - 37.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.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 |
| 834144 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-24 11:20 | 2025-05-08 00:14 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Note/DOT re-sent and now showing loan correctly with a 1 year PPP at 3% - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. NOTE And recorded DOT with prepay addendum - Due Diligence Vendor-05/08/2025 <br>Open-The Final CD shows there is a prepayment penalty; however the documentation in the file including the Note, Deed of Trust, Loan approval and lock confirmation do not reflect a prepayment penalty. - Due Diligence Vendor-04/24/2025 |  | Resolved-Note/DOT re-sent and now showing loan correctly with a 1 year PPP at 3% - Due Diligence Vendor-05/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.85% 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 61.02 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 800 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 44.17% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834144 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-22 18:47 | 2025-04-28 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Income worksheet provided. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. income worksheet - Due Diligence Vendor-04/28/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary . lender Income worksheet is missing . - Due Diligence Vendor-04/22/2025 |  | Resolved-Income worksheet provided. - Due Diligence Vendor-04/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.85% 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 61.02 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 800 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 44.17% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834144 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-24 11:00 | 2025-04-24 11:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Investor concentration is 68.75%. Guidelines max is 60% <br> - Due Diligence Vendor-04/24/2025 |  | Waived-Investor concentration is 68.75%. Guidelines max is 60% <br> - Due Diligence Vendor-04/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.85% 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 61.02 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 800 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 44.17% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More | Credit Score 30+ points > minimum required<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<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 |
| 834144 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-22 19:21 | 2025-04-24 10:54 | Waived | 2 - Non-Material B | Credit | Borrower | First time Home-Buyer but Mtg on credit history | Waived-FTHB purchase of an investment property. Request exception to allow . Borrower is first time home buyer exception is provided to investment purchase . - Due Diligence Vendor-04/22/2025 |  | Waived-FTHB purchase of an investment property. Request exception to allow . Borrower is first time home buyer exception is provided to investment purchase . - Due Diligence Vendor-04/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.85% 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 61.02 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 800 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 44.17% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More | \* Credit Score 30+ points > minimum required<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<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 |
| 834144 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-22 19:17 | 2025-04-22 19:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Min loan for program is 150k. Seek exception to allow. - Due Diligence Vendor-04/22/2025 |  | Waived-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Min loan for program is 150k. Seek exception to allow. - Due Diligence Vendor-04/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.85% 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 61.02 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 800 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 44.17% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More | \* Credit Score 30+ points > minimum required<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<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 |
| 834150 | xxxxxx | B A | Closed | xxxxxx | 2025-04-08 14:30 | 2025-04-15 15:54 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. please see CLA - Due Diligence Vendor-04/15/2025 <br>Open-1008/Underwriting Summary Not Provided Final 1008 is missing - Due Diligence Vendor-04/08/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.28 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 59.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834159 | xxxxxx | C A | Closed | xxxxxx | 2025-05-01 15:52 | 2025-05-06 09:41 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Counter-Proof of delivery of ICD dated xxxxxx provided, however, the Initial Closing Disclosure dated xxxxxx has not been provided. Please Provide, xxxxxx - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-\*\*\*\*No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/01/2025 <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. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 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 56.04 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 - 5.36 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 |  | xxx.pdf<br> xxx.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 |
| 834159 | xxxxxx | C A | Closed | xxxxxx | 2025-05-01 15:52 | 2025-05-06 09:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/05/2025 <br> Counter-Proof of delivery of ICD dated xxxxxx provided, however, the Initial Closing Disclosure dated xxxxxx has not been provided. Please Provide, xxxxxx - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-\*\*\*\*No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/01/2025 <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-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 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 56.04 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 - 5.36 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 |  | xxx.pdf<br> xxx.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 |
| 834159 | xxxxxx | C A | Closed | xxxxxx | 2025-05-01 15:52 | 2025-05-06 09:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Counter-Proof of delivery of ICD dated xxxxxx provided, however, the Initial Closing Disclosure dated xxxxxx has not been provided. Please Provide, xxxxxx - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br> Open-\*\*\*\*No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/01/2025 <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-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 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 56.04 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 - 5.36 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 |  | xxx.pdf<br> xxx.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 |
| 834159 | xxxxxx | C A | Closed | xxxxxx | 2025-05-01 15:52 | 2025-05-06 09:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/05/2025 <br> Counter-Proof of delivery of ICD dated xxxxxx provided, however, the Initial Closing Disclosure dated xxxxxx has not been provided. Please Provide, xxxxxx - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-\*\*\*\*No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/01/2025 <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 $850.00.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-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. COC events for multiple collateral exceptions - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 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 56.04 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 - 5.36 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 |  | xxx.pdf<br> xxx.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 |
| 834194 | 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 |  |  |  |
| 834195 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-18 14:11 | 2025-04-28 16:12 | 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-Policy coverage has footnote that it includes has guaranteed replacement cost. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Please escalate as the policy shows Replacement Cost included. It is 100% replacement cost and indicated that verbiage is their 100% replacement cost being included. Replacement Cost Loss Settlement on Dwelling up to Coverage A amount Included. - Due Diligence Vendor-04/28/2025 <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 Provide replacement cost estimator or adequate hazard insurance coverage. - Due Diligence Vendor-04/18/2025 |  | Resolved-Policy coverage has footnote that it includes has guaranteed replacement cost. - Due Diligence Vendor-04/28/2025<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 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 - 13.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.53 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 - 5.66 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 0.03<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 - 13.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% 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 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834195 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-18 14:22 | 2025-04-24 12:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Flood Hazard Notice is missing | Resolved-Flood hazard notice provided. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Please see attached Flood Notice - Due Diligence Vendor-04/24/2025 <br>Open-Missing flood hazard notice. Please provide. - Due Diligence Vendor-04/18/2025 |  | Resolved-Flood hazard notice provided. - Due Diligence Vendor-04/24/2025<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 - 15 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 - 13.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.53 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 - 5.66 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 0.03<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 - 13.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% 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 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834195 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-17 15:48 | 2025-04-17 15:48 | Waived | 2 - Non-Material B | Credit | Borrower | First time Home-Buyer but Mtg on credit history | Waived-\*Allow a First Time Homebuyer to purchase an investment<br> property. - Due Diligence Vendor-04/17/2025 |  | Waived-\*Allow a First Time Homebuyer to purchase an investment<br> property. - Due Diligence Vendor-04/17/2025<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 - 15 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 - 13.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.53 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 - 5.66 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 0.03<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 - 13.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.2% 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 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | \*Credit Score 30+ points > minimum required.<br> \*DTI <= 36% which is below requirement in guidelines.<br> \*Reserves exceed requirement by 2 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834197 | 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 |  |  |  |
| 834228 | 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 |  |  |  |
| 834250 | xxxxxx | B A | Closed | xxxxxx | 2025-04-07 17:04 | 2025-04-18 20:48 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. please see CLA. - Due Diligence Vendor-04/15/2025 <br>Open-1008/Underwriting Summary Not Provided Final 1008 is missing - Due Diligence Vendor-04/07/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.72 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 - 12 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834322 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-24 11:49 | 2025-05-08 12:22 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-1004D has now been completed and property is fully habitable. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. 1004D - Due Diligence Vendor-05/08/2025 <br> Counter-The appraisal is still subject to the same items and appears to be the same appraisal from the original file. The status is 'subject to" and the appraisers comments in the supplemental addendum state that it' not currently in a habitable form yet. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. See updated appraisal? - Due Diligence Vendor-05/01/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present . Provide 1004D to evidence subject is complete without issues. - Due Diligence Vendor-04/24/2025 |  | Resolved-1004D has now been completed and property is fully habitable. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.82 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 0.15 |  | xxx.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 |
| 834322 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-24 11:17 | 2025-04-30 23:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Photo IDs provided confirm citiezenship. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. See Photo ID - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing ID was not provided at the time of review although checked off on the "Closed Loan Delivery Checklist". - Due Diligence Vendor-04/24/2025 |  | Resolved-Photo IDs provided confirm citiezenship. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.82 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 0.15 |  | xxx.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 |
| 834322 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-24 14:30 | 2025-04-25 12:29 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Guidelines indicate DPAs are not eligible source of funds. Borrower is receiving $5000 grant from xxxxxx that does not require repayment. - Due Diligence Vendor-04/24/2025 |  | Waived-Guidelines indicate DPAs are not eligible source of funds. Borrower is receiving $5000 grant from xxxxxx that does not require repayment. - Due Diligence Vendor-04/24/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.82 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 0.15 | DTI <= 40% which is below requirement in guidelines.<br> 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 |
| 834349 | xxxxxx | B A | Closed | xxxxxx | 2025-04-02 16:49 | 2025-04-14 15:11 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Document Uploaded. 1008 received and no issues. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-1008 - Due Diligence Vendor-04/11/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/02/2025 |  | Resolved-Document Uploaded. 1008 received and no issues. - Due Diligence Vendor-04/11/2025<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 14.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834350 | xxxxxx | B A | Closed | xxxxxx | 2025-04-07 13:05 | 2025-04-15 15:58 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. please see CLA - Due Diligence Vendor-04/15/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/07/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.69 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 - 19 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834361 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834374 | xxxxxx | D A | Closed | xxxxxx | 2025-05-01 17:34 | 2025-05-06 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report (credit monitoring) provided and shows no issues. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. GAP credit report attached - Due Diligence Vendor-05/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/01/2025 |  | Resolved-Gap credit report (credit monitoring) provided and shows no issues. - Due Diligence Vendor-05/06/2025<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 - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.32% Is Less Than The Guideline Maximum Of 45% 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 |  | xxx.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 |
| 834390 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 16:52 | 2025-04-15 15:56 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. please see CLA - Due Diligence Vendor-04/15/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/09/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834410 | xxxxxx | D A | Closed | xxxxxx | 2025-05-08 14:42 | 2025-05-11 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 75.1 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/11/2025 <br> Ready for Review-please 1008 states assets n/a cash out for reserves. - Buyer-05/08/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/08/2025 |  | Resolved-Audited Reserves of 75.1 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-05/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.18% 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 75.1 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 |
| 834410 | xxxxxx | D A | Closed | xxxxxx | 2025-05-08 14:16 | 2025-05-11 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/11/2025 <br> Ready for Review-No credit report pulled as this is a foreign national - not required - Buyer-05/08/2025 <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-05/08/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.18% 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 75.1 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 |
| 834456 | xxxxxx | C A | Closed | xxxxxx | 2025-04-01 16:07 | 2025-04-09 23:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Lease used and allowed w/2mos proof of receipt vs MR. PITIA 2,437.79 / 2,500 rent from lease = 1.026 DSCR. xxxxxx guidelines, Page 15 Income: Refinance transactions: Current Long-Term Lease Agreement can be used if greater than market rent with 2 months proof receipt of rental income and the lease amount must be within 125% of the estimated market rent from the 1007 or 1025. If the actual rent exceeds the market more than 125%, the rents are capped at 125%. Please clear condition. - Due Diligence Vendor-04/10/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Investment cash out refinance, loan amount xxxxxx and credit score of 774, DSCR>.75 max cashout is 70% - Due Diligence Vendor-04/01/2025 |  | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-04/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.86 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834456 | xxxxxx | C A | Closed | xxxxxx | 2025-04-01 16:07 | 2025-04-09 23:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Lease used and allowed w/2mos proof of receipt vs MR. PITIA 2,437.79 / 2,500 rent from lease = 1.026 DSCR. xxxxxx guidelines, Page 15 Income: Refinance transactions: Current Long-Term Lease Agreement can be used if greater than market rent with 2 months proof receipt of rental income and the lease amount must be within 125% of the estimated market rent from the 1007 or 1025. If the actual rent exceeds the market more than 125%, the rents are capped at 125%. Please clear condition. - Due Diligence Vendor-04/10/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Investment cash out refinance, loan amount xxxxxx and credit score of 774, DSCR>.75 max cashout is 70% <br> - Due Diligence Vendor-04/01/2025 |  | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.86 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834456 | xxxxxx | C A | Closed | xxxxxx | 2025-04-01 16:07 | 2025-04-09 23:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 75% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Lease used and allowed w/2mos proof of receipt vs MR. PITIA 2,437.79 / 2,500 rent from lease = 1.026 DSCR. xxxxxx guidelines, Page 15 Income: Refinance transactions: Current Long-Term Lease Agreement can be used if greater than market rent with 2 months proof receipt of rental income and the lease amount must be within 125% of the estimated market rent from the 1007 or 1025. If the actual rent exceeds the market more than 125%, the rents are capped at 125%. Please clear condition. - Due Diligence Vendor-04/10/2025 <br> Open-Audited HCLTV of 75% exceeds Guideline HCLTV of 70%. Investment cash out refinance, loan amount xxxxxx and credit score of 774, DSCR>.75 max cashout is 70% <br>- Due Diligence Vendor-04/01/2025 |  | Resolved-Audited HCLTV of 75% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-04/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.86 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834463 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 11:09 | 2025-04-09 11:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 690 is less than Guideline FICO of 700 FICO below 700 for 1st time investor @ 690 - Due Diligence Vendor-04/09/2025 |  | Waived-Audited FICO of 690 is less than Guideline FICO of 700 FICO below 700 for 1st time investor @ 690 - Due Diligence Vendor-04/09/2025<br>| Refinance provides net tangible benefit to borrower with reduced payment and/or total monthly liabilities<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years | Comp Factors:<br> - Decreasing housing payment<br> - Reserves 13 mths<br> - LTV @ 65% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 834499 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834507 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 19:57 | 2025-04-29 13:20 | 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-04/29/2025 <br>Ready for Review-Document Uploaded. Please see attached UDN. - Due Diligence Vendor-04/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/23/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2025<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 700 By Twenty (20) or More Points<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 70% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.33% 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 - 17.42 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 - 6.19 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 - 6.28 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 0.11 |  | xxx.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 |
| 834507 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 19:57 | 2025-04-29 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Please see attached credit refresh. - Due Diligence Vendor-04/28/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/23/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/29/2025<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 700 By Twenty (20) or More Points<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 70% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.33% 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 - 17.42 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 - 6.19 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 - 6.28 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 0.11 |  | xxx.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 |
| 834508 | xxxxxx | C A | Closed | xxxxxx | 2025-04-21 19:14 | 2025-04-24 11:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Email chain provided stating no claims in between Disbursement date of xxxxxx and the HOI Effective date of xxxxxx - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. please see attached email regarding hazard.. file can not change effective date but they have stated no claims on property. Let me know if this will suffice or what more will be needed. - Buyer-04/23/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-04/21/2025 |  | Resolved-Email chain provided stating no claims in between Disbursement date of xxxxxx and the HOI Effective date of xxxxxx - Due Diligence Vendor-04/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.41% 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 748 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.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 |
| 834687 | xxxxxx | D A | Closed | xxxxxx | 2025-05-15 17:09 | 2025-05-19 14:48 | 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-05/19/2025 <br>Ready for Review-Document Uploaded. worksheet & p and L from CPA attached - Buyer-05/16/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing Missing Profit and Loss Statement prepared by CPA. Income worksheet monthly income does not match Final 1003. Unable to calculate income based on documentation provided. - Due Diligence Vendor-05/15/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-05/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.54% 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 65.57% 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 744 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.86 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 - 13 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834813 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 834828 | xxxxxx | B A | Closed | xxxxxx | 2025-04-24 20:23 | 2025-04-24 20:23 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Property Title Issue FTHB & NOO. FTHB limited to primary residence.<br> Per the condo department, we need an exception for approval<br> to proceed w/ current reserve study. Per condo department.<br> I have completed my analysis of the reserve study, and it has<br> approximately $1 million in xxxxxx that have been<br> recommended. In addition, there are two special assessments<br> that are being planned for. The HOA has completed about<br> $65,000 in xxxxxx with possibly $200,000 in xxxxxx<br> at the end of the year. - Due Diligence Vendor-04/25/2025 |  | Waived-Property Title Issue FTHB & NOO. FTHB limited to primary residence.<br> Per the condo department, we need an exception for approval<br> to proceed w/ current reserve study. Per condo department.<br> I have completed my analysis of the reserve study, and it has<br> approximately $1 million in xxxxxx that have been<br> recommended. In addition, there are two special assessments<br> that are being planned for. The HOA has completed about<br> $65,000 in xxxxxx with possibly $200,000 in xxxxxx<br> at the end of the year. - Due Diligence Vendor-04/25/2025 | 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 720 By Twenty (20) or More Points<br>Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 9 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.93 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 | Reserves exceed requirement by 10 months or more<br> 0\*30 for 24 months on all mortgages<br> Reserves exceed requirement by 10 months or more<br> 0\*30 for 24 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834860 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834863 | xxxxxx | D A | Closed | xxxxxx | 2025-05-02 11:35 | 2025-05-03 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. Summit uses 4506c on all files. transcripts are in files also uploaded the 4506c - Buyer-05/02/2025 <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-05/02/2025 |  | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-05/03/2025<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 - 5.90 Years<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 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 30.2 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 42.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.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 |
| 834863 | xxxxxx | D A | Closed | xxxxxx | 2025-05-02 11:35 | 2025-05-03 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. Summit uses 4506c on all files. transcripts are in files also uploaded the 4506c - Buyer-05/02/2025 <br>Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-05/02/2025 |  | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/03/2025<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 - 5.90 Years<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 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 30.2 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 42.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.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 |
| 834926 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834948 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835108 | 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 |  |  |  |
| 835125 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 09:30 | 2025-05-15 17:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Confirmation from SOS provided and shows business active through consummation and beyond. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-See attached - Due Diligence Vendor-05/15/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/09/2025 |  | Resolved-Confirmation from SOS provided and shows business active through consummation and beyond. - Due Diligence Vendor-05/15/2025<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 - 14.53 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 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.03 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 - 14 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835125 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 09:11 | 2025-05-15 17:53 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided matches the original appraised value. No further issues. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. See CDA - Due Diligence Vendor-05/15/2025 <br>Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-05/09/2025 |  | Resolved-CDA provided matches the original appraised value. No further issues. - Due Diligence Vendor-05/15/2025<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 - 14.53 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 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.03 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 - 14 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835152 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835154 | 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 |  |  |  |
| 835190 | xxxxxx | B A | Closed | xxxxxx | 2025-04-18 18:31 | 2025-04-18 18:31 | Waived | 2 - Non-Material B | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Waived-Exception request for first-time investor owning their primary<br> residence for less than 12 months - Due Diligence Vendor-04/18/2025 |  | Waived-Exception request for first-time investor owning their primary<br> residence for less than 12 months - Due Diligence Vendor-04/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.36 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 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DSCR > 1.15<br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 6 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 835191 | xxxxxx | B A | Closed | xxxxxx | 2025-04-18 18:26 | 2025-04-18 18:26 | Waived | 2 - Non-Material B | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Waived-Exception for first time investor owning their primary residence less than 12 months<br> - Due Diligence Vendor-04/18/2025 |  | Waived-Exception for first time investor owning their primary residence less than 12 months<br> - Due Diligence Vendor-04/18/2025<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 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required<br> DSCR > 1.15<br> Reserves exceed requirement by 6 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 835198 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 835207 | xxxxxx | C A | Closed | xxxxxx | 2025-04-09 13:57 | 2025-04-16 10:29 | 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-04/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/15/2025 <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-04/09/2025 |  | 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-04/16/2025<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<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835266 | xxxxxx | D A | Closed | xxxxxx | 2025-04-28 14:34 | 2025-05-06 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-While the escrow amount is not confirmed to be included within the mortgage payment, the taxes and insurance amounts are known to be $907.75/month. If added to the total liabilities, the net result would be a back end DTI change of 18% to 19.6% and well within the max DTI guidelines. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-If taxes and insurance were not included, then the monthly mortgage payment would be roughly $1400, and the supplement shows a $2552/mo payment. If taxes and insurance are not escrowed and want to add the $173.50/mo insurance and $803.75/mo taxes, then our DTI would still only be 19.346%. Can this be waived please? - Due Diligence Vendor-05/06/2025 <br> Counter-Credit update was provided to verify the whole payment, however, what is needed here is a verification that the whole payment includes any TI within the payment to validate that there are no other outside taxes or insurance. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see the attached from the Seller - Due Diligence Vendor-05/01/2025 <br> Open-Mortgage Statement Missing xxxxxx. - Due Diligence Vendor-04/28/2025 |  | Resolved-While the escrow amount is not confirmed to be included within the mortgage payment, the taxes and insurance amounts are known to be $907.75/month. If added to the total liabilities, the net result would be a back end DTI change of 18% to 19.6% and well within the max DTI guidelines. - Due Diligence Vendor-05/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.26 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 - 28.25 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 - 13.19 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 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.64% 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 - 7.25 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835277 | 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 |  |  |  |
| 835318 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 16:32 | 2025-05-15 07:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Second Home Rider is Missing | Resolved-Second Home rider provided. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br>Open-Second Home Rider is Missing and Occupancy is Second Home - Due Diligence Vendor-05/09/2025 |  | Resolved-Second Home rider provided. - Due Diligence Vendor-05/15/2025 | 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 - 24.80 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 - 6.29 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.36% 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 15.22 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 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.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 |
| 835318 | xxxxxx | D A | Closed | xxxxxx | 2025-05-13 12:45 | 2025-05-15 07:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-Condo rider Provided - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br> Open-Condo Rider is Missing - Due Diligence Vendor-05/13/2025 |  | Resolved-Condo rider Provided - Due Diligence Vendor-05/15/2025<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 - 24.80 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 - 6.29 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.36% 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 15.22 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 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.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 |
| 835318 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 16:08 | 2025-05-15 07:46 | 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-05/15/2025 <br>Ready for Review-Document Uploaded. deed with all riders - Buyer-05/14/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-05/09/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/15/2025<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 - 24.80 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 - 6.29 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.36% 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 15.22 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 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.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 |
| 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-xxxxxx - Lender is xxxxxx xxxxxx - Property report in file states this property is a xxxxxx - Due Diligence Vendor-04/30/2025 <br> Ready for Review-The address is xxxxxx. 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 xxxxxx - Property report in file states this property is a 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 1008 Total of Payments does not include Net Rental Loss. - Due Diligence Vendor-04/24/2025 | Ready for Review-The address is xxxxxx. 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-xxxxxx - Lender is xxxxxx xxxxxx - Property report in file states this property is a xxxxxx - 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 |  | xxx.pdf<br> xxx.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 |
| 835354 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 06:28 | 2025-04-24 12:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception approved for Housing History of 2x30x12. - Due Diligence Vendor-04/23/2025 |  | Waived-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 17.675%, max allowed is 50%. Post closing reserves is 56.29 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 |
| 835365 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-05 07:05 | 2025-04-08 10:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Approved Lender Exception: Exception required for total individual collection and non-mortgage charge-off accounts exceed $1000 <br> - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Lender exception needed for borrower's collection and charge-offs($16750) exceeding $1,000 and/or post closing reserves. ($16082) This is the main factor for borrower's credit score which does have a waived lender exception. - Due Diligence Vendor-04/05/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Waived-Approved Lender Exception: Exception required for total individual collection and non-mortgage charge-off accounts exceed $1000 <br> - Due Diligence Vendor-04/08/2025<br>| Refinance provides net tangible benefit to borrower with reduced payment and/or total monthly liabilities - Reduction of Interest Rate from 11.5% to 8.125% and P&I from $1865 to $1611<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.91 Years | 3.93 months reserves | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 835365 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-02 13:12 | 2025-04-05 07:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 639 is less than Guideline FICO of 640 Exception required for current FICO of 639 does not meet the minimum requirement of 640 - Due Diligence Vendor-04/02/2025 |  | Waived-Audited FICO of 639 is less than Guideline FICO of 640 Exception required for current FICO of 639 does not meet the minimum requirement of 640 - Due Diligence Vendor-04/02/2025<br>| Refinance provides net tangible benefit to borrower with reduced payment and/or total monthly liabilities - Reduction of Interest Rate from 11.5% to 8.125% and P&I from $1865 to $1611<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.91 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835365 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-02 13:12 | 2025-04-05 07:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 60% Exception required for current LTV of 70% exceeds the mas allowed of 60% for cashout based on 639 FICO score - Due Diligence Vendor-04/02/2025 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 60% Exception required for current LTV of 70% exceeds the mas allowed of 60% for cashout based on 639 FICO score - Due Diligence Vendor-04/02/2025<br>| Refinance provides net tangible benefit to borrower with reduced payment and/or total monthly liabilities - Reduction of Interest Rate from 11.5% to 8.125% and P&I from $1865 to $1611<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.91 Years | 3.93 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835366 | xxxxxx | B A | Closed | xxxxxx | 2025-04-03 09:21 | 2025-04-03 09:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-IPC's of $8500 exceed max allowable concessions of 2% per guidelines. Exception granted - Due Diligence Vendor-04/23/2025 |  | Waived-IPC's of $8500 exceed max allowable concessions of 2% per guidelines. Exception granted - Due Diligence Vendor-04/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Purchasing property for almost $15K < appraised value. <br> 2. 12 months in liquid Reserves. <br> 3. Property is a xxxxxx. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 835366 | xxxxxx | B A | Closed | xxxxxx | 2025-04-03 09:20 | 2025-04-03 09:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% EXCEPTION APPROVAL REQUIRED FOR 74.999%. MAX LTV IS 65.00% LTV DUE TO DSCR < 1.0 (0.85). - Due Diligence Vendor-04/03/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% EXCEPTION APPROVAL REQUIRED FOR 74.999%. MAX LTV IS 65.00% LTV DUE TO DSCR < 1.0 (0.85). - Due Diligence Vendor-04/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Purchasing property for almost $15K < appraised value. <br> 2. 12 months in liquid Reserves. <br> 3. Property is a xxxxxx. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 835367 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835371 | xxxxxx | B A | Closed | xxxxxx | 2025-04-05 05:48 | 2025-04-05 06:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Lender exception for 48 months seasoning requirement for loan modification. - Due Diligence Vendor-04/05/2025 |  | Waived-Lender exception for 48 months seasoning requirement for loan modification. - Due Diligence Vendor-04/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.47 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 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | DSCR 1.12<br> Credit score of 733<br> Post closing reserves > 18 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 835371 | xxxxxx | B A | Closed | xxxxxx | 2025-04-05 06:13 | 2025-04-05 06:34 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Lender exception to use xxxxxx on a refinance transaction. xxxxxx only applicable for purchase transactions. - Due Diligence Vendor-04/05/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Lender exception to use xxxxxx on a refinance transaction. xxxxxx only applicable for purchase transactions. - Due Diligence Vendor-04/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.47 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 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | DSCR 1.12<br> Credit score of 733<br> Post closing reserves > 18 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 835371 | xxxxxx | B A | Closed | xxxxxx | 2025-04-05 06:33 | 2025-04-05 06:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 74.25% exceeds Guideline LTV of 60% Exceeds max LTV of 60% due to no primary residence, also use of short term rental income and unleased property. - Due Diligence Vendor-04/05/2025 |  | Waived-Audited LTV of 74.25% exceeds Guideline LTV of 60% Exceeds max LTV of 60% due to no primary residence, also use of short term rental income and unleased property. - Due Diligence Vendor-04/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.47 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 733 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | DSCR of 1.12<br> Credit score 733, minimum is 660<br> Post closing reserves > 18 months, program requires 2 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 835372 | xxxxxx | B A | Closed | xxxxxx | 2025-03-27 18:50 | 2025-03-31 11:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-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. EXCEPTION APPROVAL DUE BORROWER DOES NOT MEET THE 6-MONTH SEASONING REQUIREMENT FROM DEED <br> TRANSFER TO APPLICATION. THE WARRANTY DEED IS DATED xxxxxx - Due Diligence Vendor-03/27/2025 |  | Waived-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. EXCEPTION APPROVAL DUE BORROWER DOES NOT MEET THE 6-MONTH SEASONING REQUIREMENT FROM DEED <br> TRANSFER TO APPLICATION. THE WARRANTY DEED IS DATED xxxxxx - Due Diligence Vendor-03/27/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.96 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 55.56% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | 1) LTV at 55.55% when max allowed for loan program is 65%.<br> 2) Credit profile includes total of 25 tradelines, with oldest trade from 1992 – established credit.<br> 3) Existing mortgage account for primary home was opened xxxxxx and has since been paid as agreed – 0x30/24.<br> 4) Job stability – 1003 disclosed that borrower has been employed as a xxxxxx since 01/01/2012. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835372 | xxxxxx | B A | Closed | xxxxxx | 2025-03-27 18:52 | 2025-03-31 11:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 675 is less than Guideline FICO of 680 EXCEPTION APPROVAL DUE BORROWER'S FICO IS 675 WHICH DOES NOT MEET THE REQUIRED MINIMUM FICO SCORE OF 680 FOR FIRST-TIME INVESTOR. - Due Diligence Vendor-03/27/2025 |  | Waived-Audited FICO of 675 is less than Guideline FICO of 680 EXCEPTION APPROVAL DUE BORROWER'S FICO IS 675 WHICH DOES NOT MEET THE REQUIRED MINIMUM FICO SCORE OF 680 FOR FIRST-TIME INVESTOR. - Due Diligence Vendor-03/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.96 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 55.56% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | 1) LTV at 55.55% when max allowed for loan program is 65%.<br> 2) Credit profile includes total of 25 tradelines, with oldest trade from 1992 – established credit.<br> 3) Existing mortgage account for primary home was opened xxxxxx and has since been paid as agreed – 0x30/24.<br> 4) Job stability – 1003 disclosed that borrower has been employed as a xxxxxx since 01/01/2012. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835375 | xxxxxx | B A | Closed | xxxxxx | 2025-04-10 06:57 | 2025-04-17 08:18 | 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-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Counter-Missing IEAD - The Initial package provided does not have that disclosure in the file and per the final SS the loan is escrowed for taxes & Insurance. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.8 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 771 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 55% 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 - 20.66 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835375 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 09:43 | 2025-04-11 10:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION - Due Diligence Vendor-04/09/2025 |  | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION - Due Diligence Vendor-04/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.8 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 771 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 55% 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 - 20.66 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835375 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 09:45 | 2025-04-11 10:58 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived- LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.98 - Due Diligence Vendor-04/09/2025 |  | Waived- LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.98 - Due Diligence Vendor-04/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.8 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 771 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 55% 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 - 20.66 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835375 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 09:46 | 2025-04-11 10:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-xxxxxx Aggregate Exceeds $2,000,000. TOTAL AGGREGATE LOAN AMOUNT FOR 8 PROPERTIES IS<br> xxxxxx - Due Diligence Vendor-04/09/2025 |  | Waived-xxxxxx Aggregate Exceeds $2,000,000. TOTAL AGGREGATE LOAN AMOUNT FOR 8 PROPERTIES IS<br> xxxxxx - Due Diligence Vendor-04/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.8 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 771 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 55% 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 - 20.66 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835375 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 09:46 | 2025-04-11 10:48 | Waived | 2 - Non-Material B | Credit | Eligibility | HOA documentation insufficient per guidelines | Waived-Lender exception granted as unable to fully document warrantability. HOA does not provide Budget or Reserves on condo questionnaire - Due Diligence Vendor-04/09/2025 |  | Waived-HOA DOESN'T DO A BUDGET AND RESERVES FOR CONDO DOCUMENTS - Due Diligence Vendor-04/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.8 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 771 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 55% 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 - 20.66 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835376 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:19 | 2025-04-11 11:44 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.81. - Due Diligence Vendor-04/09/2025 |  | Waived-LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.81. - Due Diligence Vendor-04/09/2025<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 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 99.5 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 55% 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 - 20.65 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835376 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:20 | 2025-04-11 11:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION. - Due Diligence Vendor-04/09/2025 |  | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION. - Due Diligence Vendor-04/09/2025<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 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 99.5 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 55% 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 - 20.65 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835376 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:22 | 2025-04-11 11:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-xxxxxx AGGREGATE EXPOSURE HAS EXCEEDED $2,000,000. TOTAL AGGREGATE LOAN AMOUNT FOR 8 PROPERTIES IS<br> xxxxxx. - Due Diligence Vendor-04/09/2025 |  | Waived-xxxxxx AGGREGATE EXPOSURE HAS EXCEEDED $2,000,000. TOTAL AGGREGATE LOAN AMOUNT FOR 8 PROPERTIES IS<br> xxxxxx. - Due Diligence Vendor-04/09/2025 | 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 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 99.5 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 55% 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 - 20.65 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835376 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:22 | 2025-04-11 11:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing current budget from HOA | Waived-Lender exception granted as unable to fully document warrantability. HOA does not provide Budget or Reserves on condo questionnaire - Due Diligence Vendor-04/09/2025 |  | Waived- HOA DOESN'T DO A BUDGET AND RESERVES FOR CONDO DOCUMENTS. - Due Diligence Vendor-04/09/2025 | 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 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 99.5 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 55% 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 - 20.65 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835380 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 18:40 | 2025-04-11 15:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx AGGREGATE EXPOSURE HAS EXCEEDED $2,000,000. TOTAL AGGREGATE LOAN AMOUNT FOR 8 PROPERTIES IS xxxxxx - Due Diligence Vendor-04/09/2025 |  | Waived-Please leave a comment verifying the Number of Mortgaged Properties is 11. xxxxxx AGGREGATE EXPOSURE HAS EXCEEDED $2,000,000. TOTAL AGGREGATE LOAN AMOUNT FOR 8 PROPERTIES IS xxxxxx. - Due Diligence Vendor-04/09/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% 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 - 20.65 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 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.44 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 | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835380 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 14:11 | 2025-04-11 15:25 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.70. - Due Diligence Vendor-04/09/2025 |  | Waived-LOWER THAN THE MINIMUM DSCR 1.0, AND THE CURRENT DSCR IS 0.70. - Due Diligence Vendor-04/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% 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 - 20.65 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 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | HIGH CREDIT SCORE. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835380 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 14:44 | 2025-04-11 15:24 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing current budget from HOA | Waived-Lender exception granted as unable to fully document warrantability. HOA does not provide Budget or Reserves on condo questionnaire - Due Diligence Vendor-04/09/2025 |  | Waived-HOA DOESN'T DO A BUDGET AND RESERVES FOR CONDO DOCUMENTS. - Due Diligence Vendor-04/09/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% 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 - 20.65 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 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | HIGH CREDIT SCORE |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835380 | xxxxxx | B A | Closed | xxxxxx | 2025-04-09 14:52 | 2025-04-11 15:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION. - Due Diligence Vendor-04/09/2025 |  | Waived-EXCEEDS THE ALLOWABLE INVESTOR CONCENTRATION OF 60%. CURRENTLY 97.56% INVESTOR CONCENTRATION. - Due Diligence Vendor-04/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% 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 - 20.65 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 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.44 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | HIGH CREDIT SCORE. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835390 | 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 |  |  |  |
| 835400 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835428 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 835466 | xxxxxx | B A | Closed | xxxxxx | 2025-05-14 13:31 | 2025-05-14 13:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 85% exceeds Guideline CLTV of 80% Exception for 85% LTV? Max is 80% for FTHB with no rental history. - Due Diligence Vendor-05/14/2025 |  | Waived-Audited CLTV of 85% exceeds Guideline CLTV of 80% Exception for 85% LTV? Max is 80% for FTHB with no rental history. - Due Diligence Vendor-05/14/2025<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 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.51 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 29.59% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<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 720 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* Reserves exceed requirement by 10 months or more<br> \* DTI <= 36% 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 | Originator Pre-Close | Yes | xxxxxx |
| 835466 | xxxxxx | B A | Closed | xxxxxx | 2025-05-14 13:31 | 2025-05-14 13:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Exception for 85% LTV? Max is 80% for FTHB with no rental history. - Due Diligence Vendor-05/14/2025 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Exception for 85% LTV? Max is 80% for FTHB with no rental history. - Due Diligence Vendor-05/14/2025<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 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.51 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 29.59% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<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 720 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* Reserves exceed requirement by 10 months or more<br> \* DTI <= 36% 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 | Originator Pre-Close | Yes | xxxxxx |
| 835466 | xxxxxx | B A | Closed | xxxxxx | 2025-05-14 13:31 | 2025-05-14 13:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 85% exceeds Guideline HCLTV of 80% Exception for 85% LTV? Max is 80% for FTHB with no rental history. - Due Diligence Vendor-05/14/2025 |  | Waived-Audited HCLTV of 85% exceeds Guideline HCLTV of 80% Exception for 85% LTV? Max is 80% for FTHB with no rental history. - Due Diligence Vendor-05/14/2025<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 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.51 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 29.59% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<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 720 By Twenty (20) or More Points | \* Credit Score 30+ points > minimum required<br> \* Reserves exceed requirement by 10 months or more<br> \* DTI <= 36% 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 | Originator Pre-Close | Yes | xxxxxx |
| 835494 | 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 |  |  |  |
| 835623 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 19:55 | 2025-05-15 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/13/2025 <br>Open-Flood Certificate is Partially Provided Only part of the information was provided in the flood cert. Missin item 1, 2, 4, 5. - Due Diligence Vendor-05/12/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.84% 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 - 5 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835623 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 19:42 | 2025-05-15 12:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (escrowed) and HOA provided for xxxxxx & P&I statement, Tax Cert, HOI & HOA docs provided for xxxxxx - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/13/2025 <br> Open-Missing mortgage statements for xxxxxx, and xxxxxx - Due Diligence Vendor-05/12/2025 |  | Resolved-Mortgage statement (escrowed) and HOA provided for xxxxxx & P&I statement, Tax Cert, HOI & HOA docs provided for xxxxxx - Due Diligence Vendor-05/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.84% 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 - 5 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835628 | 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 |  |  |  |
| 835633 | xxxxxx | C A | Closed | xxxxxx | 2025-05-12 10:15 | 2025-05-14 10:30 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Appraisers license expires xxxxxx - Buyer-05/12/2025 <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 effective date of xxxxxx was not effective prior to the Valuation Date of xxxxxx. - Due Diligence Vendor-05/12/2025 |  | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-05/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.52 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 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.15% 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 - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835659 | xxxxxx | D A | Closed | xxxxxx | 2025-05-11 19:56 | 2025-05-16 13:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title Provided. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. final title policy - Buyer-05/15/2025 <br> Open-Property Title Issue Lien in the amount of xxxxxx dated xxxxxx to xxxxxx reporting on title. Please provide supporting documentation confirming this lien has been satisfied. - Due Diligence Vendor-05/11/2025 |  | Resolved-Final Title Provided. - Due Diligence Vendor-05/16/2025<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 0.04<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 26.13 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 747 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835659 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 08:12 | 2025-05-13 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) and HOA $500 per yr / 12 = $41.66 was provided. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br> Open-Mortgage Statement is missing for "xxxxxx" amount $193 - Due Diligence Vendor-05/09/2025 |  | Resolved-Mortgage statement (escrowed) and HOA $500 per yr / 12 = $41.66 was provided. - Due Diligence Vendor-05/13/2025<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 0.04<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 26.13 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 747 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835751 | xxxxxx | D A | Closed | xxxxxx | 2025-05-08 15:47 | 2025-05-19 10:13 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-05/12/2025 <br>Ready for Review-please provide flood calculator showing this coverage amount is incorrect. - Buyer-05/09/2025 <br>Open-Flood Insurance Coverage Amount of 500000 does not meet minimum required coverage amount - Due Diligence Vendor-05/08/2025 |  | Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-05/12/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.91% 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 10.12 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835751 | xxxxxx | D A | Closed | xxxxxx | 2025-05-08 15:47 | 2025-05-19 10:13 | 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-05/19/2025 <br> Ready for Review-Document Uploaded. xxxxxx about that i thought i had forward to you. - Buyer-05/15/2025 <br> Counter-The master policy provided reflects Effective date of xxxxxx however Missing previous master policy to ensure prior coverage to xxxxxx - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Here you go - Buyer-05/14/2025 <br> Counter-Missing Master Condo Policy - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. HO6 policy - Buyer-05/09/2025 <br> Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-05/08/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-05/19/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.91% 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 10.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835844 | xxxxxx | B A | Closed | xxxxxx | 2025-04-29 11:49 | 2025-04-29 11:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-property sq ftg of xxxxxx does not meet guideline minimum of 750. - Due Diligence Vendor-04/29/2025 |  | Waived-property sq ftg of xxxxxx does not meet guideline minimum of 750. - Due Diligence Vendor-04/29/2025 | 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 - 8.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.57 Are Greater Than The Guideline Minimum Of 0 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 - 28.33 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 - 25.25 Years | \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835844 | xxxxxx | B A | Closed | xxxxxx | 2025-04-29 11:34 | 2025-04-29 11:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural property. - Due Diligence Vendor-04/29/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural property. - Due Diligence Vendor-04/29/2025<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 - 8.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.57 Are Greater Than The Guideline Minimum Of 0 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 - 28.33 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 - 25.25 Years | \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835844 | xxxxxx | B A | Closed | xxxxxx | 2025-04-29 11:26 | 2025-04-29 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Allow the use of the appraised value with less than 12-month seasoning. - Due Diligence Vendor-04/29/2025 |  | Waived-Allow the use of the appraised value with less than 12-month seasoning. - Due Diligence Vendor-04/29/2025<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 - 8.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.57 Are Greater Than The Guideline Minimum Of 0 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 - 28.33 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 - 25.25 Years | \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835844 | xxxxxx | B A | Closed | xxxxxx | 2025-04-29 11:23 | 2025-04-29 11:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-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. Allow a cash out refinance with less than 6 months seasoning.<br> - Due Diligence Vendor-04/29/2025 |  | Waived-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. Allow a cash out refinance with less than 6 months seasoning.<br> - Due Diligence Vendor-04/29/2025<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 - 8.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.57 Are Greater Than The Guideline Minimum Of 0 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 - 28.33 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 - 25.25 Years | \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required<br> \* Residual income more than 2.5x the amount required by guidelines<br> \* Credit Score 30+ points > minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 835849 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 17:16 | 2025-05-13 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Evidence of Insurance and RCE - Due Diligence Vendor-05/13/2025 <br>Open-Missing Hazard Insurance Policy Missing policy. - Due Diligence Vendor-05/09/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835849 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 16:08 | 2025-05-13 13:31 | 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-05/13/2025 <br> Ready for Review-Document Uploaded. See Businss Purpose - Due Diligence Vendor-05/13/2025 <br> Open-Missing BORROWER CERTIFICATION OF BUSINESS PURPOSE (9/21/2023). - Due Diligence Vendor-05/09/2025 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835888 | xxxxxx | D A | Closed | xxxxxx | 2025-05-14 17:08 | 2025-05-22 11:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Final 1003 uploaded. - Due Diligence Vendor-05/22/2025 <br>Open-The Final 1003 is Missing from the loan file. Please provide. - Due Diligence Vendor-05/14/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/22/2025<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 - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.64 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 - 23.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.13% 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 52.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx.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 |
| 835888 | xxxxxx | D A | Closed | xxxxxx | 2025-05-16 14:33 | 2025-05-21 12:40 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-Fully signed DOT provided. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Please see DOT - Due Diligence Vendor-05/21/2025 <br>Open-The Deed of Trust is Not Executed Notary Signature/Date are missing from the Deed of Trust. Please provide full executed Deed of Trust including Notary Signature/Date. - Due Diligence Vendor-05/16/2025 |  | Resolved-Fully signed DOT provided. - Due Diligence Vendor-05/21/2025<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 - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.64 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 - 23.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.13% 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 52.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx.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 |
| 835894 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835905 | xxxxxx | C A | Closed | xxxxxx | 2025-05-15 07:44 | 2025-05-19 08:56 | Resolved | 1 - Information C A | Credit | Income | Income 4 Months Income Verified is Missing | Resolved-Final CD provided for xxxxxx Verifying $13,227.42 PITIA - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Open-Income 4 Months Income Verified is Missing Provide new loan terms for loan in process for property located at xxxxxx to evidence no more than $13,227.42 PITIA per month. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Final CD provided for xxxxxx Verifying $13,227.42 PITIA - Due Diligence Vendor-05/19/2025 | 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 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.83 Are Greater Than The Guideline Minimum Of 0 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.01% 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 767 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835929 | xxxxxx | D A | Closed | xxxxxx | 2025-05-10 01:46 | 2025-05-19 15:33 | 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-05/19/2025 <br>Ready for Review-Document Uploaded. Deed of trust signed - Buyer-05/19/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-05/10/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/19/2025<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 0.04<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 - 6.34 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.01 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 769 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.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 |
| 835948 | xxxxxx | C A | Closed | xxxxxx | 2025-05-12 04:01 | 2025-05-15 14:46 | 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-05/15/2025 <br>Ready for Review-Document Uploaded. - Seller-05/14/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). . Per guidelines, A gap credit report or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. At the time of review the gap report was 13 days. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.69 Are Greater Than The Guideline Minimum Of 0 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 - 25 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 - 16.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 9.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835948 | xxxxxx | C A | Closed | xxxxxx | 2025-05-12 04:01 | 2025-05-15 14:46 | 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-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). . Per guidelines, A gap credit report or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. At the time of review the gap report was 13 days. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-05/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.69 Are Greater Than The Guideline Minimum Of 0 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 - 25 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 - 16.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 9.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836004 | 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 |  |  |  |
| 836065 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-30 07:06 | 2025-05-08 08:50 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal invoice was issued paid xxxxxx and dated xxxxxx. However the increase charge(s) was not disclosed to the borrower until xxxxxx. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. LE changed circumstance - Seller-05/06/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial LE dated xxxxxx reflects Appraisal Fee $750.00 however, Final CD dated xxxxxx reflects the Appraisal Fee $755.00 The fee ($5.00) has been increased for Appraisal Fee which exceeds the 0% tolerance. Required valid COC or cure amount of $5.00. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. LE changed circumstance - Seller-05/06/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-05/08/2025<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 - 10.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.62% 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 17.86 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 - 15 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.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 |
| 836065 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-30 07:06 | 2025-05-08 08:50 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal invoice was issued paid 3/30/2025 and dated 4/6/2025. However the increase charge(s) was not disclosed to the borrower until 4/14/2025. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. LE COC uploaded - Seller-05/06/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial LE dated xxxxxx reflects Appraisal Fee $750.00 however, Final CD dated xxxxxx reflects the Appraisal Fee $755.00 The fee ($5.00) has been increased for Appraisal Fee which exceeds the 0% tolerance. Required valid COC or cure amount of $5.00. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. LE COC uploaded - Seller-05/06/2025<br>| Resolved-Curative PCCD received - Due Diligence Vendor-05/08/2025<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 - 10.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.62% 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 17.86 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 - 15 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.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 |
| 836065 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-30 07:06 | 2025-05-08 08:50 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal invoice was issued paid 3/30/2025 and dated 4/6/2025. However the increase charge(s) was not disclosed to the borrower until 4/14/2025. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal invoice was issued paid 3/30/2025 and dated 4/6/2025. However the increase charge(s) was not disclosed to the borrower until 4/14/2025. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Locked LE COC uploaded - Seller-05/06/2025 <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 $5.00.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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial LE dated xxxxxx reflects Appraisal Fee $750.00 however, Final CD dated xxxxxx reflects the Appraisal Fee $755.00 The fee ($5.00) has been increased for Appraisal Fee which exceeds the 0% tolerance. Required valid COC or cure amount of $5.00. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. Locked LE COC uploaded - Seller-05/06/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-05/08/2025<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 - 10.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.62% 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 17.86 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 - 15 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.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 |
| 836065 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-30 07:06 | 2025-05-08 08:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-\*\*\*Unable to determine if loan is HPML Compliant. 1026.35(c)(6)(ii)(a) Lender to provide evidence that the borrower received a copy of the Appraisal at least three business days prior to consummation - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Loan has escrows so HPML is allowed - Seller-05/06/2025 <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-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Ready for Review-Loan has escrows so HPML is allowed - Seller-05/06/2025<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-05/08/2025 | 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 - 10.09 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.62% 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 17.86 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 - 15 Years |  | xxx.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 |
| 836065 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-29 04:13 | 2025-05-06 07:38 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Open-1008/Underwriting Summary Not Provided . Provide completed 1008 that matches the final terms of the loan .<br>1008 doc missing in file - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/06/2025<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 - 10.09 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.62% 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 17.86 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 - 15 Years |  | xxx.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 |
| 836082 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 836159 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-03 09:40 | 2025-05-15 07:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional findings, xxxxxx - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. see lox - Buyer-05/14/2025 <br> Counter-ICD received, data entered, resulting in additional compliance findings. \*\*\*\* \*\*\*\*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal was issued xxxxxx and signed by the appraiser xxxxxx. However the charge(s) was not disclosed to the borrower until xxxxxx. The additional/increase to disclosed charge(s) violates COC timing rules. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. ICD - Buyer-05/13/2025 <br> Open-Missing Initial Closing Disclosure - Due Diligence Vendor-05/03/2025 |  | Resolved-ICD received, data entered, no additional findings, xxxxxx - Due Diligence Vendor-05/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.62 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 0.13<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 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 34.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.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 |
| 836159 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-05 13:42 | 2025-05-14 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 & 1008 provided reflecting the correct Property address of xxxxxx Mortgage statement (escrowed) also provided. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. see docs - Buyer-05/13/2025 <br> Counter-The Docs provided are for xxxxxx - Condition is for property located at xxxxxx. Provide taxes, insurance and/or another monthly fees associated - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Mtg stmt shows the borrower escrows for taxes and insurance. also see HOA stmt. - Buyer-05/06/2025 <br> Open-Provide taxes, insurance and/or another monthly fees associated with property located at xxxxxx as documentation was not provided at the time of review. - Due Diligence Vendor-05/05/2025 |  | Resolved-Updated 1003 & 1008 provided reflecting the correct Property address of xxxxxx Mortgage statement (escrowed) also provided. - Due Diligence Vendor-05/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.62 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 0.13<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 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 34.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.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 |
| 836163 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836196 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-07 11:12 | 2025-05-20 21:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Please see LOE to address flood insurance variance - Due Diligence Vendor-05/21/2025 <br>Open-Flood Insurance Policy Partially Provided The Final CD shows a 12 month premium in the amount of $1,580 was paid for flood insurance. The updated binder for $1,580 was missing from the file. - Due Diligence Vendor-05/07/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/21/2025<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 - 19.50 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 - 11.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 836196 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-07 10:59 | 2025-05-14 23:41 | 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-05/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/15/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/07/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/15/2025<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 - 19.50 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 - 11.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 836196 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-07 19:09 | 2025-05-14 23:40 | Resolved | 1 - Information C A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-borrower RTC provided. No issues. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Please see RTC - Due Diligence Vendor-05/15/2025 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form \*\*Missing executed copy of the NORTC for the non-borrower, xxxxxx. - Due Diligence Vendor-05/07/2025 |  | Resolved-Non-borrower RTC provided. No issues. - Due Diligence Vendor-05/15/2025<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 - 19.50 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 - 11.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 836558 | xxxxxx | C A | Closed | xxxxxx | 2025-04-29 01:36 | 2025-05-03 08:43 | 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- - Due Diligence Vendor-05/03/2025 <br>Resolved-Desk review provided. - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. CDA - Buyer-05/02/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) Required CDA - Due Diligence Vendor-04/29/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-05/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836558 | xxxxxx | C A | Closed | xxxxxx | 2025-04-29 01:36 | 2025-05-03 08:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 19.12 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. see bk stmt - Buyer-05/02/2025 <br>Open-Audited Reserves of 1.7 are less than Guideline Required Reserves of 2 Assets required to meet reserve requirement (cash out was short for reserves required) - Due Diligence Vendor-04/29/2025 |  | Resolved-Audited Reserves of 19.12 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-05/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836579 | 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 |  |  |  |
| 836585 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-06 16:59 | 2025-05-16 08:34 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details provided - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. COC on the last page - Due Diligence Vendor-05/15/2025 <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 ($3,144.96) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,944.96). 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). \*\*\*Final CD shows the lender credits in Section J decreased. The original file does not contain a valid COC in relation to the lender credit decrease. - Due Diligence Vendor-05/09/2025 |  | Resolved-COC event details provided - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.82 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 29.47% 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 0.02<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 680 By Twenty (20) or More Points |  | xxx.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 |
| 836585 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-06 14:15 | 2025-05-06 14:15 | Waived | 2 - Non-Material B | Credit | Income | Borrower 1 Business Bank Statements Less Than 24 Months Provided | Waived-Non Perm resident requires 24 months bank statements. Request exception to allow with 12 month bank statements.<br> - Due Diligence Vendor-05/06/2025 |  | Waived-Non Perm resident requires 24 months bank statements. Request exception to allow with 12 month bank statements.<br> - Due Diligence Vendor-05/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.82 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 29.47% 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 0.02<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 680 By Twenty (20) or More Points | \* Residual income more than 2.5x the amount required by guidelines<br> \* 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 |
| 836585 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-06 14:12 | 2025-05-06 14:12 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Non-Permanent Resident: does not allow use of Gift Funds. Request exception to allow - Due Diligence Vendor-05/06/2025 |  | Waived-Non-Permanent Resident: does not allow use of Gift Funds. Request exception to allow - Due Diligence Vendor-05/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.82 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 29.47% 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 0.02<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 680 By Twenty (20) or More Points | \* Residual income more than 2.5x the amount required by guidelines<br> \* 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 |
| 836749 | xxxxxx | B A | Closed | xxxxxx | 2025-05-23 11:09 | 2025-05-23 11:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Subject mortgage was modified on xxxxxx which is < 12 months seasoning.<br> - Due Diligence Vendor-05/23/2025 |  | Waived-Subject mortgage was modified on xxxxxx which is < 12 months seasoning.<br> - Due Diligence Vendor-05/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 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 32.68% 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 33 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 - 14.50 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 - 5.41 Years | Residual income more than 2.5x the amount required by guidelines<br> 0x30 for 48 months on all mortgages |  | 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 |
| 836842 | 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 |  |  |  |
| 836885 | 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 |  |  |  |
| 836936 | xxxxxx | B A | Closed | xxxxxx | 2025-05-12 15:18 | 2025-05-12 15:18 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Assets need to be seasoned for 90days. Seek exception to allow. - Due Diligence Vendor-05/12/2025 |  | Waived-Assets need to be seasoned for 90days. Seek exception to allow. - Due Diligence Vendor-05/12/2025<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 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Residual income more than 2x 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 | Originator Pre-Close | Yes | xxxxxx |
| 837698 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 11:07 | 2025-05-06 11:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception required to use ledger for housing history of current primary address. - Due Diligence Vendor-05/06/2025 |  | Waived-Exception required to use ledger for housing history of current primary address. - Due Diligence Vendor-05/06/2025<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 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.23% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI at 8.23% |  | 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 |
| 837698 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 11:06 | 2025-05-06 11:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Exception required on >300% payment shock - Due Diligence Vendor-05/06/2025 |  | Waived-Exception required on >300% payment shock - Due Diligence Vendor-05/06/2025<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 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.23% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI at 8.23% |  | 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 |
| 837698 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 11:06 | 2025-05-06 11:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception required for 90% LTV exceeds max of 85% for 690 FICO - Due Diligence Vendor-05/06/2025 |  | Waived-Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception required for 90% LTV exceeds max of 85% for 690 FICO - Due Diligence Vendor-05/06/2025<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 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.23% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI at 8.23% |  | 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 |
| 837698 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 11:06 | 2025-05-06 11:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 90% exceeds Guideline LTV of 85% Exception required for 90% LTV exceeds max of 85% for 690 FICO - Due Diligence Vendor-05/06/2025 |  | Waived-Audited LTV of 90% exceeds Guideline LTV of 85% Exception required for 90% LTV exceeds max of 85% for 690 FICO - Due Diligence Vendor-05/06/2025<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 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.23% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI at 8.23% |  | 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 |
| 837698 | xxxxxx | B A | Closed | xxxxxx | 2025-05-06 11:06 | 2025-05-06 11:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 90% exceeds Guideline HCLTV of 85% Exception required for 90% LTV exceeds max of 85% for 690 FICO - Due Diligence Vendor-05/06/2025 |  | Waived-Audited HCLTV of 90% exceeds Guideline HCLTV of 85% Exception required for 90% LTV exceeds max of 85% for 690 FICO - Due Diligence Vendor-05/06/2025<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 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.23% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI at 8.23% |  | 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 |
| 837716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-09 05:54 | 2025-05-15 14:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Per Directive, Operating Agreement located in the file on page 68 - Due Diligence Vendor-05/15/2025 <br> Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 <br> Counter- Loan closed in an LLC and the Note, DOT, business purpose cert, occupancy certs, and federal notices need to be corrected showing "member titles" added to signature lines - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Pg 31 guaranty - Seller-05/12/2025 <br> Counter-Document Uploaded. Loan Closed under a business Entity and the following Documents need to reflect the borrower/guarantors LLC member title which are the Note, DOT, business purpose cert, occupancy certs, and federal notices. - Due Diligence Vendor-05/11/2025 <br> Ready for Review-These are all in the file - Seller-05/09/2025 <br> Open-Note, DOT, business purpose cert, occupancy certs, and federal notices to be corrected with LLC member titles added to signature lines. - Due Diligence Vendor-05/09/2025 | Ready for Review-unless closing agent requires it to insure the loan, we don't put title's of members<br>- Seller-05/13/2025 <br>Ready for Review-Document Uploaded. Pg 31 guaranty - Seller-05/12/2025 <br>Ready for Review-These are all in the file - Seller-05/09/2025<br>| Resolved-Per Directive, Operating Agreement located in the file on page 68 - Due Diligence Vendor-05/15/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 837716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 08:51 | 2025-05-09 06:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approval is required to proceed with a 75% LTV. Per guidelines, the maximum LTV for an interest-only loan is 70%, and for a borrower without a primary residence, the limit is 60%.<br> - Due Diligence Vendor-05/08/2025 |  | Waived-Exception approval is required to proceed with a 75% LTV. Per guidelines, the maximum LTV for an interest-only loan is 70%, and for a borrower without a primary residence, the limit is 60%.<br> - Due Diligence Vendor-05/08/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |
| 837716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 08:50 | 2025-05-09 06:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan amount xxxxxx did not meet the minimum loan size of $150,000.<br> - Due Diligence Vendor-05/08/2025 |  | Waived-Loan amount xxxxxx did not meet the minimum loan size of $150,000.<br> - Due Diligence Vendor-05/08/2025 | 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 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 93.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |
| 837716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 08:52 | 2025-05-09 06:23 | Waived | 2 - Non-Material 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-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than the greater of the Subject Lien or replacement cost value and Replacement Cost Estimator by Insurer was not Provided Exception approval is required for having no replacement cost. Insurance policy covers full repair cost. Current dwelling is $100,000 while loan amount is xxxxxx - Due Diligence Vendor-05/08/2025 |  | Waived-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than the greater of the Subject Lien or replacement cost value and Replacement Cost Estimator by Insurer was not Provided Exception approval is required for having no replacement cost. Insurance policy covers full repair cost. Current dwelling is $100,000 while loan amount is xxxxxx - Due Diligence Vendor-05/08/2025 | 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 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 93.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |
| 837716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-08 08:54 | 2025-05-09 06:23 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived-Exception to allow using the actual rent without the 2 months proof of payment. Market rent shows $775 while actual rent is $800: - Due Diligence Vendor-05/08/2025 |  | Waived-Exception to allow using the actual rent without the 2 months proof of payment. Market rent shows $775 while actual rent is $800: - Due Diligence Vendor-05/08/2025<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by 131 points<br> • All consumer credit paid as agreed in the most recent 12 months<br> • Not income producing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |
| 837716 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-09 06:14 | 2025-05-09 06:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for rural property. - Due Diligence Vendor-05/09/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for rural property. - Due Diligence Vendor-05/09/2025<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit score<br> 131 points higher than minimum<br> All consumer credit paid as agreed most recent 12 months<br> Not income producing.  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxxxxx |

---

## Exhibit 99.11

**EXHIBIT 99.11**

**CANOPY RATING AGENCY GRADES**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 825317 | xxxxxx |  | xxxxxx D A B |
| 829936 | xxxxxx |  | xxxxxx A |
| 830433 | xxxxxx |  | xxxxxx A NA C |
| 830707 | xxxxxx |  | xxxxxx A |
| 830956 | xxxxxx |  | xxxxxx B NA |
| 830992 | xxxxxx |  | xxxxxx A NA C |
| 831130 | xxxxxx |  | xxxxxx A |
| 831188 | xxxxxx |  | xxxxxx A NA |
| 831281 | xxxxxx |  | xxxxxx A NA C |
| 831463 | xxxxxx |  | xxxxxx D NA |
| 831635 | xxxxxx |  | xxxxxx A C |
| 831645 | xxxxxx |  | xxxxxx B A D |
| 831675 | xxxxxx |  | xxxxxx D NA C |
| 831755 | xxxxxx |  | xxxxxx A NA |
| 831846 | xxxxxx |  | xxxxxx D A |
| 831847 | xxxxxx |  | xxxxxx A |
| 831932 | xxxxxx |  | xxxxxx D A |
| 831977 | xxxxxx |  | xxxxxx A NA |
| 832337 | xxxxxx |  | xxxxxx A |
| 832401 | xxxxxx |  | xxxxxx D A B |
| 832473 | xxxxxx |  | xxxxxx A NA |
| 832500 | xxxxxx |  | xxxxxx B A |
| 832504 | xxxxxx |  | xxxxxx C A B |
| 832505 | xxxxxx |  | xxxxxx C A B |
| 832610 | xxxxxx |  | xxxxxx A D |
| 832655 | xxxxxx |  | xxxxxx A NA |
| 832679 | xxxxxx |  | xxxxxx C A D |
| 832693 | xxxxxx |  | xxxxxx A |
| 832764 | xxxxxx |  | xxxxxx A |
| 832779 | xxxxxx |  | xxxxxx A |
| 832866 | xxxxxx |  | xxxxxx A NA |
| 832977 | xxxxxx |  | xxxxxx A NA C |
| 833023 | xxxxxx |  | xxxxxx A |
| 833176 | xxxxxx |  | xxxxxx B A |
| 833203 | xxxxxx |  | xxxxxx B A |
| 833245 | xxxxxx |  | xxxxxx B D A |
| 833521 | xxxxxx |  | xxxxxx B C A |
| 833534 | xxxxxx |  | xxxxxx A |
| 833620 | xxxxxx |  | xxxxxx D A |
| 833682 | xxxxxx |  | xxxxxx D A |
| 833721 | xxxxxx |  | xxxxxx D A |
| 833794 | xxxxxx |  | xxxxxx A |
| 833821 | xxxxxx |  | xxxxxx D A |
| 833841 | xxxxxx |  | xxxxxx B A |
| 833860 | xxxxxx |  | xxxxxx D A |
| 833893 | xxxxxx |  | xxxxxx B A |
| 833898 | xxxxxx |  | xxxxxx A |
| 833928 | xxxxxx |  | xxxxxx A |
| 833930 | xxxxxx |  | xxxxxx A |
| 833957 | xxxxxx |  | xxxxxx B D A |
| 834042 | xxxxxx |  | xxxxxx A |
| 834056 | xxxxxx |  | xxxxxx C NA |
| 834144 | xxxxxx |  | xxxxxx D C A B |
| 834150 | xxxxxx |  | xxxxxx B A |
| 834159 | xxxxxx |  | xxxxxx A C |
| 834194 | xxxxxx |  | xxxxxx A |
| 834195 | xxxxxx |  | xxxxxx C D A B |
| 834197 | xxxxxx |  | xxxxxx A |
| 834228 | xxxxxx |  | xxxxxx A |
| 834250 | xxxxxx |  | xxxxxx B A |
| 834322 | xxxxxx |  | xxxxxx D A C B |
| 834349 | xxxxxx |  | xxxxxx B A |
| 834350 | xxxxxx |  | xxxxxx B A |
| 834361 | xxxxxx |  | xxxxxx A |
| 834374 | xxxxxx |  | xxxxxx D A |
| 834390 | xxxxxx |  | xxxxxx B A |
| 834410 | xxxxxx |  | xxxxxx D A |
| 834456 | xxxxxx |  | xxxxxx C A |
| 834463 | xxxxxx |  | xxxxxx B A |
| 834499 | xxxxxx |  | xxxxxx A NA |
| 834507 | xxxxxx |  | xxxxxx D A |
| 834508 | xxxxxx |  | xxxxxx C A |
| 834687 | xxxxxx |  | xxxxxx D A |
| 834813 | xxxxxx |  | xxxxxx A |
| 834828 | xxxxxx |  | xxxxxx B A |
| 834860 | xxxxxx |  | xxxxxx A |
| 834863 | xxxxxx |  | xxxxxx D A |
| 834926 | xxxxxx |  | xxxxxx A |
| 834948 | xxxxxx |  | xxxxxx A |
| 835108 | xxxxxx |  | xxxxxx A NA |
| 835125 | xxxxxx |  | xxxxxx D A |
| 835152 | xxxxxx |  | xxxxxx A |
| 835154 | xxxxxx |  | xxxxxx A |
| 835190 | xxxxxx |  | xxxxxx B A |
| 835191 | xxxxxx |  | xxxxxx B A |
| 835198 | xxxxxx |  | xxxxxx A NA |
| 835207 | xxxxxx |  | xxxxxx A C |
| 835266 | xxxxxx |  | xxxxxx D A |
| 835277 | xxxxxx |  | xxxxxx A |
| 835318 | xxxxxx |  | xxxxxx A D |
| 835354 | xxxxxx |  | xxxxxx C A B |
| 835365 | xxxxxx |  | xxxxxx C A B |
| 835366 | xxxxxx |  | xxxxxx B A |
| 835367 | xxxxxx |  | xxxxxx A |
| 835371 | xxxxxx |  | xxxxxx B A |
| 835372 | xxxxxx |  | xxxxxx B A |
| 835375 | xxxxxx |  | xxxxxx B A |
| 835376 | xxxxxx |  | xxxxxx B A |
| 835380 | xxxxxx |  | xxxxxx B A |
| 835390 | xxxxxx |  | xxxxxx A |
| 835400 | xxxxxx |  | xxxxxx A |
| 835428 | xxxxxx |  | xxxxxx A NA |
| 835466 | xxxxxx |  | xxxxxx B A |
| 835494 | xxxxxx |  | xxxxxx A |
| 835623 | xxxxxx |  | xxxxxx D A |
| 835628 | xxxxxx |  | xxxxxx A |
| 835633 | xxxxxx |  | xxxxxx A C |
| 835659 | xxxxxx |  | xxxxxx D A |
| 835751 | xxxxxx |  | xxxxxx D A |
| 835844 | xxxxxx |  | xxxxxx B NA |
| 835849 | xxxxxx |  | xxxxxx D A |
| 835888 | xxxxxx |  | xxxxxx A D |
| 835894 | xxxxxx |  | xxxxxx A |
| 835905 | xxxxxx |  | xxxxxx C NA |
| 835929 | xxxxxx |  | xxxxxx A D |
| 835948 | xxxxxx |  | xxxxxx C NA |
| 836004 | xxxxxx |  | xxxxxx A |
| 836065 | xxxxxx |  | xxxxxx B C A |
| 836082 | xxxxxx |  | xxxxxx A |
| 836159 | xxxxxx |  | xxxxxx D C A |
| 836163 | xxxxxx |  | xxxxxx A |
| 836196 | xxxxxx |  | xxxxxx D C A |
| 836558 | xxxxxx |  | xxxxxx C A |
| 836579 | xxxxxx |  | xxxxxx A |
| 836585 | xxxxxx |  | xxxxxx B C A |
| 836749 | xxxxxx |  | xxxxxx B A |
| 836842 | xxxxxx |  | xxxxxx A |
| 836885 | xxxxxx |  | xxxxxx A |
| 836936 | xxxxxx |  | xxxxxx B A |
| 837698 | xxxxxx |  | xxxxxx B A |
| 837716 | xxxxxx |  | xxxxxx B D A |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**CANOPY DATA COMPARE**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 825317 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 47.93 | 43.718 |  |
| 830433 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 830433 | xxxxxx |  | xxxxxx | Qualifying LTV | 19.74 | 19.82 |  |
| 830707 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2.000 |  |
| 830707 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 830707 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |
| 830956 | xxxxxx |  | xxxxxx | Property Type | Single Family Attached | Single Family Detached |  |
| 830956 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 30.48 | 33.296 |  |
| 831188 | xxxxxx |  | xxxxxx | Verified Doc Type | 12 Month Bank Statement | Full |  |
| 831281 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 831281 | xxxxxx |  | xxxxxx | Qualifying LTV | 11.36 | 11.53846 |  |
| 831635 | xxxxxx |  | xxxxxx | Borrower 1 First Name | xxxxxx | xxxxxx |  |
| 831675 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 47.86 | 20.95 |  |
| 832473 | xxxxxx |  | xxxxxx | Total Qualifying Income | 22121.45 | 11444.97 |  |
| 832500 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Detached |  |
| 832504 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 3568.93 | $3505.46 |  |
| 832504 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | 253.89 | $190.42 |  |
| 832655 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 32.43 | 36.44 |  |
| 832693 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 832693 | xxxxxx |  | xxxxxx | Qualifying LTV | 72.42 | 75 |  |
| 832764 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 832764 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 832764 | xxxxxx |  | xxxxxx | Qualifying LTV | 58.82 | 64.23529 |  |
| 832977 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 833023 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 833023 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 18.14 | 40.1 |  |
| 833245 | xxxxxx |  | xxxxxx | Property Address | xxxxxx | xxxxxx |  |
| 833521 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |
| 833794 | xxxxxx |  | xxxxxx | Number of Units | 3 | 2 |  |
| 833841 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Single Family Attached |  |
| 833860 | xxxxxx |  | xxxxxx | Primary Mortgage or Rent Times 30 | 0 | 2 |  |
| 833930 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 833930 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 833957 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 833957 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 833957 | xxxxxx |  | xxxxxx | Qualifying LTV | 52.26 | 60 |  |
| 834150 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 834150 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 834150 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |
| 834197 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 23.74 | 29.39 |  |
| 834250 | xxxxxx |  | xxxxxx | Term | 360 | 480 |  |
| 834349 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 834349 | xxxxxx |  | xxxxxx | Property City | xxxxxx | xxxxxx |  |
| 834349 | xxxxxx |  | xxxxxx | Property Zip Code | xxxxxx | xxxxxx |  |
| 834374 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 834390 | xxxxxx |  | xxxxxx | Interest Rate | 7.25 | 6.99 |  |
| 834390 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2 |  |
| 834390 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 834390 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | xxxxxx | xxxxxx |  |
| 834390 | xxxxxx |  | xxxxxx | Qualifying LTV | 70.0 | 65 |  |
| 834463 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 834463 | xxxxxx |  | xxxxxx | Initial Monthly P&I Or IO Payment | 4189.17 | 2795 |  |
| 834507 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 834507 | xxxxxx |  | xxxxxx | Qualifying LTV | 33.33 | 35.35354 |  |
| 834687 | xxxxxx |  | xxxxxx | Property Type | Two to Four Unit | Detached |  |
| 835108 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 44.57 | 49.00 |  |
| 835125 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 11.32 | 43 |  |
| 835190 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2.000 |  |
| 835190 | xxxxxx |  | xxxxxx | Qualifying FICO | 774 | 772 |  |
| 835191 | xxxxxx |  | xxxxxx | Margin | 6.5 | 2.000 |  |
| 835191 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 835191 | xxxxxx |  | xxxxxx | Qualifying FICO | 774 | 772 |  |
| 835191 | xxxxxx |  | xxxxxx | Sales Price | xxxxxx | xxxxxx |  |
| 835198 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 35.1 | 40.55 |  |
| 835266 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 18.64 | 35.00 |  |
| 835354 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 24.03 | 17.675 |  |
| 835365 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 835367 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 835375 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 835375 | xxxxxx |  | xxxxxx | Reviewed Total Housing Expense PITIA | 3264.29 | $3227.29 |  |
| 835376 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 835380 | xxxxxx |  | xxxxxx | Cash Disbursement Date | xxxxxx | xxxxxx |  |
| 835905 | xxxxxx |  | xxxxxx | Qualifying FICO | 767 | 741 |  |
| 836065 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 38.62 | 43.00 |  |
| 836579 | xxxxxx |  | xxxxxx | Qualifying FICO | 685 | 680 |  |
| 836579 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 40.33 | 49 |  |
| 836749 | xxxxxx |  | xxxxxx | First Payment Date | xxxxxx | xxxxxx |  |
| 836749 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | 32.68 | 40 |  |
| 836842 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | xxxxxx | xxxxxx |  |
| 837716 | xxxxxx |  | xxxxxx | Cash Disbursement Date | 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?** |
| 825317 |  | 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 | 7458.75 | 8.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10618.99 | Yes | Employed |  | No |  | No |  |
| 829936 |  | 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 |
| 830433 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 8228.15 | 8.938 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3884.96 | N/A | Employed |  | No |  | No |  |
| 830707 |  | 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 |
| 830956 |  | 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 | 8140 | 9.172 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10308.54 | N/A | Employed |  | No |  | No |  |
| 830992 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 1711 | 8.809 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48195.66 | N/A | Employed |  | No |  | No |  |
| 831130 |  | 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 |
| 831188 |  | 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 | 6890 | 9.434 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 63641.32 | N/A | Employed |  | No |  | No |  |
| 831281 |  | 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 | 2595 | 9.465 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7135.61 | N/A | Employed | Employed | No | No | No |  |
| 831463 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 10482.5 | 9.392 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30070.29 | N/A | Employed |  | No |  | No |  |
| 831635 |  | 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 |
| 831645 |  | 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 |
| 831675 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 8400 | 9.047 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13471.72 | N/A | Employed |  | No |  | No |  |
| 831755 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 7676 | 9.436 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 92479.01 | N/A | Employed |  | No |  | No |  |
| 831846 |  | 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 |
| 831847 |  | 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 |
| 831932 |  | 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 | 14745.54 | N/A | Employed |  | No |  | Yes | Present |
| 831977 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3252.95 | 8.167 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18658.34 | N/A | Employed |  | No |  | No |  |
| 832337 |  | 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 | 7395 | 8.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14443.38 | N/A | Employed |  | No |  | No |  |
| 832401 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | Yes | 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 |
| 832473 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 3981 | 8.092 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14032.48 | N/A | Employed | Employed | No | No | No |  |
| 832500 |  | 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 |
| 832504 |  | 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 |
| 832505 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 |  |  |  | No |  | Yes | Present |
| 832610 |  | 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 |
| 832655 |  | 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 | 6510 | 8.995 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 19609.91 | N/A | Employed |  | No |  | No |  |
| 832679 |  | 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 |
| 832693 |  | 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 | 1695 | 7.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39776.97 | Yes | Employed |  | No |  | No |  |
| 832764 |  | 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 | 91295 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 434597.27 | Yes | Employed |  | No |  | No |  |
| 832779 |  | 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 |
| 832866 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3372.94 | 9.657 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4787.71 | N/A | Employed | Employed | No | No | No |  |
| 832977 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 2180.5 | 9.012 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16369.44 | N/A | Employed | Employed | No | No | No |  |
| 833023 |  | 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 | 14173.99 | 7.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20923.18 | Yes | Employed |  | No |  | No |  |
| 833176 |  | 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 |
| 833203 |  | 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 | 10961.68 | 7.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13330.01 | Yes | Employed |  | No |  | No |  |
| 833245 |  | 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 |
| 833521 |  | 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 | 16993 | 9.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19851.18 | Yes | Employed | Not Employed | No | No | No |  |
| 833534 |  | 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 |
| 833620 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 45195 | 7.122 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 71935.89 | Yes | Employed | Employed | No | No | Yes | Present |
| 833682 |  | 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 |
| 833721 |  | 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 |
| 833794 |  | 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 |
| 833821 |  | 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 |
| 833841 |  | 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 |
| 833860 |  | 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 |
| 833893 |  | 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 |
| 833898 |  | 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 |
| 833928 |  | 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 | 9795 | 7.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5354.79 | N/A | Employed | Employed | No | No | No |  |
| 833930 |  | 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 |
| 833957 |  | 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 |  |  |  | Yes |  | Yes | Present |
| 834042 |  | 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 | 27695 | 8.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 146247.45 | N/A | Employed |  | No |  | No |  |
| 834056 |  | 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 | 3095 | 8.991 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 13239.35 | N/A | Employed |  | No |  | No |  |
| 834144 |  | 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 | 2205.65 | N/A | Employed |  | No |  | Yes | Present |
| 834150 |  | 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 |
| 834159 |  | 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 | 2095 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 16046.88 | N/A | Employed |  | No |  | No |  |
| 834194 |  | 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 | 7150 | 7.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12513.67 | N/A | Employed |  | No |  | No |  |
| 834195 |  | 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 | 27006.47 | N/A | Employed | Employed | No | No | Yes | Present |
| 834197 |  | 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 | 12589 | 7.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 51323.89 | N/A | Employed | Employed | No | No | No |  |
| 834228 |  | 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 | 32159.9 | 7.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12235.45 | Yes | Employed |  | No |  | No |  |
| 834250 |  | 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 |
| 834322 |  | 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 | 9877.88 | 8.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9437.82 | Yes | Employed | Employed | No | No | No |  |
| 834349 |  | 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 |
| 834350 |  | 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 |
| 834361 |  | 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 |
| 834374 |  | 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 | 7.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31682.16 | Yes | Employed |  | No |  | No |  |
| 834390 |  | 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 |
| 834410 |  | 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 |
| 834456 |  | 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 |
| 834463 |  | 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 |
| 834499 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 4088.37 | 10.039 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15707.66 | N/A | Employed | Employed | No | No | No |  |
| 834507 |  | 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 | 8890 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28168.97 | Yes | Employed | Employed | No | No | No |  |
| 834508 |  | 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 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 61179.53 | N/A | Employed |  | No |  | No |  |
| 834687 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 77095 | 7.555 | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28584.71 | N/A | Employed |  | No |  | No |  |
| 834813 |  | 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 | 4187.66 | 8.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5235.71 | Yes | Employed |  | No |  | No |  |
| 834828 |  | 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 | Yes | N/A | N/A | 9092.58 | N/A | Employed | Retired | No | No | Yes | Present |
| 834860 |  | 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 |
| 834863 |  | 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 | 2856.25 | 7.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8878.62 | Yes | Employed | Employed | No | No | No |  |
| 834926 |  | 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 |
| 834948 |  | 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 | 10751.07 | Yes | Employed |  | No |  | Yes | Present |
| 835108 |  | 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 | Yes | 4235.64 | 10.419 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4030.19 | N/A | Employed |  | No |  | No |  |
| 835125 |  | 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 | 75316.13 | N/A | Employed |  | No |  | Yes | Present |
| 835152 |  | 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 |
| 835154 |  | 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 | 6348.75 | 9.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12410.55 | N/A | Employed |  | No |  | No |  |
| 835190 |  | 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 | N/A |  |  | No | No | Yes | Present |
| 835191 |  | 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 |
| 835198 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7093.6 | 11.517 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15097.24 | N/A | Employed | Employed | No | No | No |  |
| 835207 |  | 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 |
| 835266 |  | 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 | 80460.41 | N/A | Employed |  | No |  | Yes | Present |
| 835277 |  | 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 | 4387.62 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4133.7 | N/A | Employed | Not Employed | No | No | No |  |
| 835318 |  | 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 | 6633.75 | 8.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34317.86 | N/A | Employed |  | No |  | No |  |
| 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 |  |
| 835365 |  | 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 |
| 835366 |  | 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 |
| 835367 |  | 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 |
| 835371 |  | 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 |
| 835372 |  | 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 |
| 835375 |  | 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 |
| 835376 |  | 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 |
| 835380 |  | 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 |
| 835390 |  | 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 | 14162.28 | 7.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6715.83 | N/A | Employed |  | No |  | No |  |
| 835400 |  | 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 |
| 835428 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 3910 | 9.62 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33839.45 | N/A | Employed |  | No |  | No |  |
| 835466 |  | 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 | 7375.94 | 8.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5701.43 | Yes | Employed |  | No |  | No |  |
| 835494 |  | 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 | 4219.45 | 7.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13392.77 | Yes | Not Employed | Not Employed | No | No | No |  |
| 835623 |  | 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 | 147238.78 | N/A | Employed |  | No |  | Yes | Present |
| 835628 |  | 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 | 6478.2 | 8.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19766.65 | N/A | Employed | Not Employed | No | No | No |  |
| 835633 |  | 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 | 146651.26 | N/A | Employed |  | No |  | Yes | Present |
| 835659 |  | 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 | Yes | N/A | N/A | 148998.43 | N/A | Employed |  | No |  | Yes | Present |
| 835751 |  | 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 |
| 835844 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | No | No | No | No | No | No | No | No | No | 3562.52 | 10.463 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9875.58 | N/A | Employed | Employed | No | No | No |  |
| 835849 |  | 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 |
| 835888 |  | 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 | 1711 | 8.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5031.11 | N/A | Employed |  | No |  | No |  |
| 835894 |  | 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 |
| 835905 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 8.869 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48108.03 | N/A | Employed | Employed | No | No | No |  |
| 835929 |  | 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 | 12655 | 7.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5023.29 | N/A | Employed |  | No |  | No |  |
| 835948 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6612 | 11.628 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10860.65 | N/A | Employed | Employed | No | No | No |  |
| 836004 |  | 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 | 13495 | 7.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11878.76 | N/A | Employed |  | No |  | No |  |
| 836065 |  | 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 | 17983.65 | 9.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16831.94 | Yes | Employed |  | No |  | No |  |
| 836082 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | 2390 | 9.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 94695.88 | Yes | Employed |  | No |  | No |  |
| 836159 |  | 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 | 6268.8 | 8.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7291.94 | N/A | Retired | Retired | No | No | No |  |
| 836163 |  | 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 | 473605.39 | N/A | Employed |  | No |  | Yes | Present |
| 836196 |  | 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 | 30753.91 | 8.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15677.63 | Yes | Employed |  | No |  | No |  |
| 836558 |  | 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 |
| 836579 |  | 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 | 8155 | 8.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6278.43 | N/A | Employed |  | No |  | No |  |
| 836585 |  | 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 | 12695 | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12719.1 | Yes | Employed |  | No |  | No |  |
| 836749 |  | 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 | 15575 | 7.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34914.06 | Yes | Employed |  | No |  | No |  |
| 836842 |  | 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 | 0 | 8.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6424.67 | Yes | Employed |  | No |  | No |  |
| 836885 |  | 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 | 27705 | 10.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 55068.34 | N/A | Employed | Employed | No | No | No |  |
| 836936 |  | 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 | 14530 | 8.799 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7903.63 | N/A | Not Employed |  | No |  | No |  |
| 837698 |  | 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 | 20090 | 9.64 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 76599.18 | N/A | Employed |  | No |  | No |  |
| 837716 |  | 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 |

---

## 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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 825317 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 11-21-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2024 |
| 829936 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 40.54 | 40.54 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-01-2025 | Eligible | 1 | 04-01-2025 |
| 830433 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-22-2025 | 1004 URAR | xxxxxx | 19.74 | 49.05 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | REASONABLE | 02-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-23-2025 |
| 830707 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 02-03-2025 |
| 830956 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 17.24 | 27.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-17-2025 |
| 830992 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-23-2025 | 1004 URAR | xxxxxx | 11.63 | 55.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-28-2025 |
| 831130 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 25.69 | 25.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2025 |
| 831188 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-03-2025 | 1025 Small Residential Income Report | xxxxxx | 25.0 | 70.49 | xxxxxx | xxxxxx | -.0750 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0750 | xxxxxx | Moderate Risk | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2025 |
| 831281 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2025 | 1004 URAR | xxxxxx | 11.36 | 47.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-28-2025 |
| 831463 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-22-2025 | 1073 Individual Condo Report | xxxxxx | 55.36 | 74.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2025 |
| 831635 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-23-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831645 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-09-2025 | 1073 Individual Condo Report | xxxxxx | 43.9 | 43.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-26-2025 |
| 831675 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 11.49 | 71.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | REASONABLE | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 | Eligible |  |  |
| 831755 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | 34.25 | 79.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-27-2025 | Eligible |  |  |
| 831846 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-27-2025 | Eligible |  |  |
| 831847 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 67.8 | 67.8 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-12-2025 |
| 831932 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 831977 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 5.53 | 64.76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-25-2025 |
| 832337 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2025 | 1004 URAR | xxxxxx | 45.45 | 45.45 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-28-2025 |
| 832401 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2025 | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832473 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | 22.73 | 58.77 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-21-2025 |
| 832500 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2025 | 1025 Small Residential Income Report | xxxxxx | 69.85 | 69.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832504 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2025 | 1073 Individual Condo Report | xxxxxx | 68.64 | 68.64 | xxxxxx | xxxxxx | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0909 | xxxxxx | Moderate Risk | 02-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-27-2025 |
| 832505 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2025 | 1073 Individual Condo Report | xxxxxx | 69.85 | 69.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-27-2025 |
| 832610 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2025 | 1073 Individual Condo Report | xxxxxx | 39.44 | 39.44 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832655 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 30.8 | 74.87 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-03-2025 | Eligible |  |  |
| 832679 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2025 | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0273 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0273 | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |
| 832693 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 72.42 | 72.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-25-2025 | Eligible | 1 | 03-25-2025 |
| 832764 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 58.82 | 58.82 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0118 | 03-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832779 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 39.11 | 39.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-31-2025 |
| 832866 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 32.09 | 69.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 832977 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2025 | 1004 URAR | xxxxxx | 17.46 | 71.86 | xxxxxx | xxxxxx | -.0402 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0402 | xxxxxx | Moderate Risk | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 833023 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-28-2025 | Eligible | 2 | 02-28-2025 |
| 833176 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2025 |
| 833203 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 45.0 | 45.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-10-2025 | Eligible |  |  |
| 833245 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2025 |
| 833521 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2025 |
| 833534 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1025 Small Residential Income Report | xxxxxx | 57.14 | 57.14 | xxxxxx | xxxxxx | .4571 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .4571 | xxxxxx | Low Risk | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 03-17-2025 |
| 833620 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-16-2025 | 1004 URAR | xxxxxx | 68.45 | 68.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833682 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 54.47 | 54.47 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 | Eligible |  |  |
| 833721 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-09-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0909 | xxxxxx | Reasonable | 02-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-12-2025 |
| 833794 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2025 | 1025 Small Residential Income Report | xxxxxx | 27.68 | 27.68 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833821 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 41.32 | 41.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2025 |
| 833841 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-24-2025 | 1025 Small Residential Income Report | xxxxxx | 67.5 | 67.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833860 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0556 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0556 | xxxxxx | Reasonable | 02-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 03-17-2025 |
| 833893 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | 56.18 | 56.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833898 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 48.28 | 48.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2025 |
| 833928 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-26-2025 |
| 833930 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-05-2025 | 1004 URAR | xxxxxx | 72.5 | 72.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833957 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 52.26 | 52.26 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-26-2025 |
| 834042 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.1791 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1791 | xxxxxx | High Risk | 03-24-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 03-20-2025 |
| 834056 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 30.3 | 64.4 | xxxxxx | xxxxxx | .0053 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0053 | 92.0 | 0.08 | xxxxxx | xxxxxx | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-24-2025 |
| 834144 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-18-2025 | 1073 Individual Condo Report | xxxxxx | 44.17 | 44.17 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834150 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 59.98 | 59.98 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 834159 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0060 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0060 | xxxxxx | Low Risk | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-21-2025 |
| 834194 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2025 |
| 834195 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834197 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 51.28 | 51.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834228 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-21-2025 | Eligible | 1.1 | 04-21-2025 |
| 834250 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2025 | 1004 URAR | xxxxxx | 74.99 | 74.99 | xxxxxx | xxxxxx | -.0580 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0580 | xxxxxx | Moderate Risk | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2025 |
| 834322 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-06-2025 |
| 834349 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-19-2025 |
| 834350 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-19-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-21-2025 |
| 834361 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 45.9 | 45.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-26-2025 |
| 834374 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-09-2025 | Eligible | 2.5 | 04-09-2025 |
| 834390 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2025 |
| 834410 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 41.18 | 41.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834456 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834463 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-17-2024 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834499 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 21.1 | 74.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-04-2025 |
| 834507 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | 1025 Small Residential Income Report | xxxxxx | 33.33 | 33.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834508 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-29-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834687 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-22-2025 | 1004 URAR | xxxxxx | 65.57 | 65.57 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834813 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 | Eligible |  |  |
| 834828 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-13-2025 | Eligible | 1 | 03-13-2025 |
| 834860 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-19-2025 | Eligible | 1.7 | 03-19-2025 |
| 834863 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-17-2025 | Eligible | 2.2 | 04-17-2025 |
| 834926 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-20-2025 |  |  |  |  |  |  |  |  |  |  |  | 03-24-2025 | Not Eligible | 1 | 03-24-2025 |
| 834948 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835108 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-25-2025 | 1004 URAR | xxxxxx | 21.4 | 78.86 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2025 | Eligible |  |  |
| 835125 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-02-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835152 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 67.67 | 67.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-08-2025 | Not Eligible | 1.2 | 04-08-2025 |
| 835154 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-04-2025 |
| 835190 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 03-05-2025 |
| 835191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 03-05-2025 |
| 835198 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 24.13 | 79.88 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 835207 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-15-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-28-2025 | Eligible |  |  |
| 835266 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-07-2025 | Eligible | 1 | 04-07-2025 |
| 835277 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-07-2025 | Eligible |  |  |
| 835318 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-16-2025 | Eligible | 1 | 04-16-2025 |
| 835354 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2025 | 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 |
| 835365 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-22-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-26-2025 | Eligible | 1.4 |  |
| 835366 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 835367 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 51.91 | 51.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 |
| 835371 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 74.25 | 74.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-24-2025 |
| 835372 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 |
| 835375 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 55.0 | 55.0 | xxxxxx | xxxxxx | -.0238 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0238 | xxxxxx | Moderate Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 835376 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 55.0 | 55.0 | xxxxxx | xxxxxx | -.0385 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0385 | xxxxxx | Moderate Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 835380 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 835390 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 835400 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-12-2025 | Not Eligible | 1.6 | 03-12-2025 |
| 835428 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | 21.74 | 74.39 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-15-2025 |
| 835466 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 | Eligible | 1 | 04-08-2025 |
| 835494 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 66.12 | 66.12 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-07-2025 |
| 835623 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-27-2025 |
| 835628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835633 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-24-2025 |
| 835659 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 04-24-2025 |
| 835751 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1073 Individual Condo Report | xxxxxx | 52.91 | 52.91 | xxxxxx | xxxxxx | .0058 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0058 | xxxxxx | Low Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-18-2025 |
| 835844 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 19.53 | 74.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835849 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-05-2025 |
| 835888 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 52.94 | 52.94 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 | Eligible |  |  |
| 835894 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 |
| 835905 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 6.0 | 62.01 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 04-04-2025 |
| 835929 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-14-2025 |
| 835948 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 14.61 | 77.54 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-07-2025 |
| 836004 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836065 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-06-2025 |
| 836082 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 04-21-2025 |
| 836159 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 03-28-2025 |
| 836163 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-30-2025 | Eligible | 1.2 | 04-30-2025 |
| 836196 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 04-17-2025 |
| 836558 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-21-2025 |  |  |  |  |  |  |  |  |  |  | 5 | 04-13-2025 | Not Eligible | 2.6 |  |
| 836579 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836585 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836749 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-08-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 01-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836842 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Intermediate | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 05-05-2025 |
| 836885 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-28-2025 | Eligible |  |  |
| 836936 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0286 | 04-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837698 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 837716 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 04-21-2025 |

---

## Exhibit 99.15

**EXHIBIT 99.15**

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

![](tm2518320d1_ex99-15img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2025-6**

**By Clarifii LLC on June 24, 2025**

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2518320d1_ex99-15img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| **Christine Aug** | **Jason Luttenberger** |
| &nbsp;&nbsp;&nbsp;&nbsp;Vice President of Due Diligence | &nbsp;&nbsp;&nbsp;&nbsp;Chief Operating Officer |
| &nbsp;&nbsp;&nbsp;&nbsp;Phone: 813.735.4487 | &nbsp;&nbsp;&nbsp;&nbsp;Phone: 917.742.7797 |
| &nbsp;&nbsp;&nbsp;&nbsp;E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp;&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 577 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2025-6 transaction. The Loans referenced in this narrative report were reviewed between 11/2024 to 05/2025 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;61 | &nbsp;&nbsp;10.57% | &nbsp;&nbsp;$35730825.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;143 | &nbsp;&nbsp;24.78% | &nbsp;&nbsp;$77584846.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.12% | &nbsp;&nbsp;$8181678.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;355 | &nbsp;&nbsp;61.53% | &nbsp;&nbsp;$208649355.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$330146704.00** |

---

The Review consisted of a population of 577 Loans, with an aggregate principal balance of $330,146,704.00.

**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 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

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The Review was conducted consistent with the criteria for the Nationally Recognized

Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp; Moody's Approach to Rating U.S. RMBS Using the MILAN Framework dated July 18, 2024 |

---

**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 Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &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;B1 Country Name |
| &nbsp;&nbsp;B1 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 |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

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---

| |
|:---|
| &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 Face-to-Face Interview |
| &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? |
| &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;B1 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 - Filipino |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese |
| &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;B1 Verified Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;B2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 SSN |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

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---

| |
|:---|
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &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;Mortgage Origination Channel |
| &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 Doc Type |
| &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 |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

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---

| |
|:---|
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &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 Housing Debt Income Ratio |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Required Subject Property Reserves Amount |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &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

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

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- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&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

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

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Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

&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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

&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).

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&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.

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**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**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)

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- 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 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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

![](tm2518320d1_ex99-15img001.jpg)

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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.

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](tm2518320d1_ex99-15img001.jpg)

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

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

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <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;10 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;289 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;245 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &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;24 |

---

**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.

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| **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. |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;414 | &nbsp;&nbsp;71.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;163 | &nbsp;&nbsp;28.25% |
| &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;**577** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary Moody's** | &nbsp;&nbsp;**Overall Grade Summary Moody's** | &nbsp;&nbsp;**Overall Grade Summary Moody's** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;369 | &nbsp;&nbsp;63.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;135 | &nbsp;&nbsp;23.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;73 | &nbsp;&nbsp;12.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &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.

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

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**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;467 | &nbsp;&nbsp;80.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;110 | &nbsp;&nbsp;19.06% |
| &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;**577** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary Moody's** | &nbsp;&nbsp;**Credit Grade Summary Moody's** | &nbsp;&nbsp;**Credit Grade Summary Moody's** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;403 | &nbsp;&nbsp;69.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;101 | &nbsp;&nbsp;17.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;73 | &nbsp;&nbsp;12.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;576 | &nbsp;&nbsp;99.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% |
| &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;**577** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary Moodys** | &nbsp;&nbsp;**Property Grade Summary Moodys** | &nbsp;&nbsp;**Property Grade Summary Moodys** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;504 | &nbsp;&nbsp;87.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;73 | &nbsp;&nbsp;12.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;513 | &nbsp;&nbsp;88.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;64 | &nbsp;&nbsp;11.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary Moody's** | &nbsp;&nbsp;**Compliance Grade Summary Moody's** | &nbsp;&nbsp;**Compliance Grade Summary Moody's** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;461 | &nbsp;&nbsp;79.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;43 | &nbsp;&nbsp;7.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;73 | &nbsp;&nbsp;12.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$7769000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;570 | &nbsp;&nbsp;98.79% | &nbsp;&nbsp;$322377704.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$330146704.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;262 | &nbsp;&nbsp;45.41% | &nbsp;&nbsp;$182502156.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.33% | &nbsp;&nbsp;$14305770.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;290 | &nbsp;&nbsp;50.26% | &nbsp;&nbsp;$133338778.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$330146704.00** |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;302 | &nbsp;&nbsp;52.34% | &nbsp;&nbsp;$151579104.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;275 | &nbsp;&nbsp;47.66% | &nbsp;&nbsp;$178567600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$330146704.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;504 | &nbsp;&nbsp;87.35% | &nbsp;&nbsp;$314105836.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;73 | &nbsp;&nbsp;12.65% | &nbsp;&nbsp;$16040868.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$330146704.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.77% | &nbsp;&nbsp;$15922767.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;558 | &nbsp;&nbsp;96.71% | &nbsp;&nbsp;$313856937.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$100000.00 |
| &nbsp;&nbsp;120 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;$267000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**577** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$330146704.00** |

---

**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 %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;187 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;120 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &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;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm2518320d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1 Country Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;17 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;103 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &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;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;572 | &nbsp;&nbsp;98.25% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;6 | &nbsp;&nbsp;16 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;572 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;102 | &nbsp;&nbsp;99.02% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &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;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Filipino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &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;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &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;2 | &nbsp;&nbsp;400 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm2518320d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1 Verified Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;140 | &nbsp;&nbsp;85.00% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;11 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;13 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;6 | &nbsp;&nbsp;144 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;281 | &nbsp;&nbsp;90.04% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;102 | &nbsp;&nbsp;99.02% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;17 | &nbsp;&nbsp;70.59% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;544 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;30 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;9 | &nbsp;&nbsp;577 | &nbsp;&nbsp;98.44% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;190 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;4 | &nbsp;&nbsp;11 | &nbsp;&nbsp;63.64% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;542 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;15 | &nbsp;&nbsp;459 | &nbsp;&nbsp;96.73% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;577 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &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;1 | &nbsp;&nbsp;391 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;577 | &nbsp;&nbsp;99.83% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;188 | &nbsp;&nbsp;98.40% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;66 | &nbsp;&nbsp;130 | &nbsp;&nbsp;49.23% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;380 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;7 | &nbsp;&nbsp;562 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;576 | &nbsp;&nbsp;99.65% |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

![](tm2518320d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;9 | &nbsp;&nbsp;543 | &nbsp;&nbsp;98.34% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;217 | &nbsp;&nbsp;97.24% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;12 | &nbsp;&nbsp;577 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;6 | &nbsp;&nbsp;577 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;138 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;576 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;108 | &nbsp;&nbsp;521 | &nbsp;&nbsp;79.27% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;577 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;QM Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;408 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;22 | &nbsp;&nbsp;552 | &nbsp;&nbsp;96.01% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;23 | &nbsp;&nbsp;519 | &nbsp;&nbsp;95.57% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;388 | &nbsp;&nbsp;99.48% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;558 | &nbsp;&nbsp;97.31% |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;107 | &nbsp;&nbsp;444 | &nbsp;&nbsp;75.90% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;23 | &nbsp;&nbsp;73.91% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;196 | &nbsp;&nbsp;98.47% |
| &nbsp;&nbsp;Required Subject Property Reserves Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;274 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;388 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;386 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;94.74% |

---

VERUS 2025-6 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

VERUS 2025-6 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** |
| 819162 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-30 10:59 | 2025-05-21 09:11 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Rec'd PCCD issued xxxxxx, LOE, copy of check payable to borrower in the amount of 64.50 & shipping label. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Please find the Cure docs; PCCD, LOE, Check, Delivery - Buyer-05/20/2025 <br> Counter-Received PCCD xxxxxx with lender paid credit report fee. 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-05/09/2025 <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 $64.50.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 $64.50 (Credit Report 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 $64.50, 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.<br> - Due Diligence Vendor-04/30/2025 |  | Cured-Rec'd PCCD issued xxxxxx, LOE, copy of check payable to borrower in the amount of 64.50 & shipping label. - Due Diligence Vendor-05/20/2025 | LTV is less than guideline maximum - LTV 49%; max 70%.<br>Months Reserves exceed minimum required - 65 months PITIA reserves; 3 months reserves 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 |
| 819162 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-01 12:30 | 2025-05-20 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received confirmation accounts paid in full. - Due Diligence Vendor-05/20/2025 <br> Counter-Received Gap report dated 4/8-2 accounts reflecting as past due. Provide acceptable documentation accounts are current. xxxxxx and xxxxxx - Due Diligence Vendor-05/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/01/2025 |  | Resolved-Received confirmation accounts paid in full. - Due Diligence Vendor-05/20/2025<br>| LTV is less than guideline maximum - LTV 49%; max 70%.<br>Months Reserves exceed minimum required - 65 months PITIA reserves; 3 months reserves 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 |
| 819162 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-01 12:58 | 2025-05-07 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Required Income Documentation for Bank Statement Program | Resolved-Received documentation supporting deposit as income. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Please see attached; all 3 deposits at same time; $7,599.86 + $311..20 + $22.50 = $7,933.56. - Buyer-05/06/2025 <br> Counter-Received Oct, Nov and Dec business statements. Missing supporting documentation deposit $7,933.56 on 10/3 was income related. Additional conditions may apply - Due Diligence Vendor-05/06/2025 <br> Counter-Comments received indicate income through 9/2024-more than 120 days from Note date. Received amended income analysis reflecting income calculation Jan-Dec 2024-missing July- Dec statements. Additional conditions may apply - Due Diligence Vendor-05/05/2025 <br> Open-Most recent bank statements used for qualifying was 06/27/2024, more than 120 days from note date. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received documentation supporting deposit as income. - Due Diligence Vendor-05/07/2025<br>| LTV is less than guideline maximum - LTV 49%; max 70%.<br>Months Reserves exceed minimum required - 65 months PITIA reserves; 3 months reserves 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 |
| 819162 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-01 13:03 | 2025-05-01 14:04 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-EXCEPTION in file: The transaction is not eligible for Program due to excessive Overdraft/NSF occurrences in the last 12 months. (\*\*\*borrower has 2 within the last 3-month period, and 5 in the last 12 months. max is 3 in last year. Negative balance on 11/4/24 and NSF on 11/13/24, 1 in August 2024 and 2 in April 2024.) - Due Diligence Vendor-05/01/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| LTV is less than guideline maximum - LTV 49%; max 70%.<br>Months Reserves exceed minimum required - 65 months PITIA reserves; 3 months reserves required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines, <br> 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 | Investor Post-Close | No | xxxxxx |
| 826320 | xxxxxx D A | Closed | xxxxxx | 2025-03-13 11:39 | 2025-03-25 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received complete ACH. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Seller-03/23/2025 <br> Counter-ACH form provided is not complete. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Foreign National but the ACH form is Missing from file. ACH Form in file is BLANK/Crossed-Out - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/23/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Received complete ACH. - Due Diligence Vendor-03/25/2025<br>| Long term residence - Long Term Residence = 5 years<br>Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 826320 | xxxxxx D A | Closed | xxxxxx | 2025-03-13 11:14 | 2025-03-18 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. No purchase contract in file. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Received Purchase Contract. - Due Diligence Vendor-03/18/2025<br>| Long term residence - Long Term Residence = 5 years<br>Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 826320 | xxxxxx D A | Closed | xxxxxx | 2025-03-13 11:14 | 2025-03-18 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Ready for Review-Document Uploaded. HOA is not a requirement on a limited review, please see attached determination - Seller-03/17/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025 <br>Ready for Review-Document Uploaded. HOA is not a requirement on a limited review, please see attached determination - Seller-03/17/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-03/18/2025<br>| Long term residence - Long Term Residence = 5 years<br>Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 826677 | xxxxxx D A | Closed | xxxxxx | 2025-05-22 09:14 | 2025-05-23 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, credit report is dated within 30 days. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-The Gap Credit Report is not required because the original credit report was pulled within 30 days based on the loan closing date. Please waive this condition. - Seller-05/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing No gap or UDM provided - Due Diligence Vendor-05/22/2025 | Ready for Review-The Gap Credit Report is not required because the original credit report was pulled within 30 days based on the loan closing date. Please waive this condition. - Seller-05/22/2025<br>| Resolved-Upon further review, credit report is dated within 30 days. - Due Diligence Vendor-05/23/2025<br>| LTV is less than guideline maximum - 70% LTV, program allows 75%<br>Qualifying FICO score is at least 20 points above minimum for program - 730 FICO, 680 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 |
| 826859 | xxxxxx D B A | Closed | xxxxxx | 2025-01-08 13:31 | 2025-04-15 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire. - Due Diligence Vendor-01/10/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Must meet guidelines. - Due Diligence Vendor-01/08/2025 |  | Resolved-Received HOA Questionnaire. - Due Diligence Vendor-01/10/2025<br>| Qualifying DTI below maximum allowed - DTI 28.79% is lower than allowable 50%<br>On time mortgage history exceeds guideline requirement - 0x30 in the past 40 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 826859 | xxxxxx D B A | Closed | xxxxxx | 2025-01-10 10:09 | 2025-01-16 17:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Waived--Client exception granted with comp factors and waiver applied to non-material finding. Appraisal count was based on subject phase of development and documents from HOA were based on total development and all phases. - Due Diligence Vendor-01/16/2025 <br> Open-Discrepancy between Condo Questionnaire and Appraisal. Appraisal reflects total number units of xxxxxx and the Condo Questionnaire reflects total number of units of xxxxxx. Provide reason for variance and reposed documentation to support correct number of units. - Due Diligence Vendor-01/15/2025 |  | Waived--Client exception granted with comp factors and waiver applied to non-material finding. Appraisal count was based on subject phase of development and documents from HOA were based on total development and all phases. - Due Diligence Vendor-01/16/2025<br>| Qualifying DTI below maximum allowed - DTI 28.79% is lower than allowable 50%<br>On time mortgage history exceeds guideline requirement - 0x30 in the past 40 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 826859 | xxxxxx D B A | Closed | xxxxxx | 2025-01-08 14:06 | 2025-01-08 15:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-01/08/2025 <br> Open-Audited CLTV of 64.45% exceeds Guideline CLTV of 60% - Due Diligence Vendor-01/08/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-01/08/2025<br>| Qualifying DTI below maximum allowed - DTI 28.79% is lower than allowable 50%<br>On time mortgage history exceeds guideline requirement - 0x30 in the past 40 months | DTI <= 36% which is below requirement in guidelines<br> Self-employed for > 5 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 826859 | xxxxxx D B A | Closed | xxxxxx | 2025-01-08 14:06 | 2025-01-08 15:23 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/08/2025 <br> Open-Missing Approval/Underwriting Summary Provide lenders 1008/Approval - Due Diligence Vendor-01/08/2025 |  | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/08/2025<br>| Qualifying DTI below maximum allowed - DTI 28.79% is lower than allowable 50%<br>On time mortgage history exceeds guideline requirement - 0x30 in the past 40 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 827037 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 12:38 | 2025-04-11 09:10 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received PCCD xxxxxx with $2,574.04 lender credit, LOX, copy of check and evidence of delivery. Finding Cured - Due Diligence Vendor-04/11/2025 <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 ($1,029.61) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,574.04). 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 $2574.04 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1544.43, 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-04/01/2025 |  | Cured-Received PCCD xxxxxx with $2,574.04 lender credit, LOX, copy of check and evidence of delivery. Finding Cured - Due Diligence Vendor-04/11/2025 | Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 70.12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 748 |  | 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 |
| 827037 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 12:38 | 2025-04-11 09:10 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received proof of delivery xxxxxx. Finding resolved. - Due Diligence Vendor-04/09/2025 <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 a 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. ----- There is no proof in file that borrower's received Initial CD or Revised CD's. - Due Diligence Vendor-04/01/2025 |  | Resolved-Received proof of delivery xxxxxx. Finding resolved. - Due Diligence Vendor-04/09/2025 | Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 70.12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 748 |  | 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 |
| 827037 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 12:38 | 2025-04-09 09:07 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received proof of delivery xxxxxx. Finding resolved. - Due Diligence Vendor-04/09/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe 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 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 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; orThe revised closing disclosure receipt date is provided and the revised 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 transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ----- The APR of 9.811% on CD xxxxxx changed to 9.387% on Initial CD xxxxxx without a new three day waiting period. There is no proof in file that borrower's received Initial CD or Revised CD's. - Due Diligence Vendor-04/01/2025 |  | Resolved-Received proof of delivery xxxxxx. Finding resolved. - Due Diligence Vendor-04/09/2025 | Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 70.12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 748 |  | 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 |
| 827377 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 13:06 | 2025-05-12 11:34 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Client provided a waiver not requiring rent free letter, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2025 <br> Counter-Guidelines are silent. xxxxxx requires the Rent Free Letter. - Due Diligence Vendor-04/25/2025 <br> Counter-Received data tree of borrowers current and past residences-must document borrower living rent free or provide acceptable VOR supporting 0x30 as noted on page 15 of guidelines. - Due Diligence Vendor-04/22/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing rent free letter from current homeowner - Due Diligence Vendor-04/11/2025 |  | Waived-Client provided a waiver not requiring rent free letter, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 723 FICO score is 20+ points above 660 minimum <br>LTV is less than guideline maximum - 62.5% LTV is less than 90% guideline max | 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 - DTI <= 36% 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 |
| 827377 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 13:07 | 2025-05-09 11:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Divorce Decree | Waived-Client provided a waiver to not require divorce decree, applied to non material finding with comp factors - Due Diligence Vendor-05/09/2025 <br> Counter-Documentation is insufficient-LOE or acceptable confirmation divorce was over 10 years with no liabilities or decree required. - Due Diligence Vendor-05/06/2025 <br> Counter-Attachments not received-please upload Divorce Decree required to insure the borrower does not have any alimony/child support. - Due Diligence Vendor-04/29/2025 <br> Counter-Divorce Decree required to insure the borrower does not have any alimony/child support. - Due Diligence Vendor-04/25/2025 <br> Open-Missing Divorce Decree - as noted on borrower explanation letter - Due Diligence Vendor-04/11/2025 |  | Waived-Client provided a waiver to not require divorce decree, applied to non material finding with comp factors - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 723 FICO score is 20+ points above 660 minimum <br>LTV is less than guideline maximum - 62.5% LTV is less than 90% guideline max | 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 - DTI <= 36% 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 |
| 827377 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 13:08 | 2025-04-25 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received LOE. - Due Diligence Vendor-04/25/2025 <br> Open-Missing explanation letter for unemployment deposits to xxxxxx account - Due Diligence Vendor-04/11/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 723 FICO score is 20+ points above 660 minimum <br>LTV is less than guideline maximum - 62.5% LTV is less than 90% guideline 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 |
| 827377 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 12:51 | 2025-04-22 10:46 | 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-04/22/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/11/2025 |  | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 723 FICO score is 20+ points above 660 minimum <br>LTV is less than guideline maximum - 62.5% LTV is less than 90% guideline 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 |
| 827377 | xxxxxx D B A | Closed | xxxxxx | 2025-04-10 10:23 | 2025-04-10 10:23 | 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-04/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 723 FICO score is 20+ points above 660 minimum <br>LTV is less than guideline maximum - 62.5% LTV is less than 90% guideline 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 |
| 828176 | xxxxxx C A | Closed | xxxxxx | 2025-03-06 07:50 | 2025-03-21 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received CD xxxxxx, COC xxxxxx. Finding resolved. - Due Diligence Vendor-03/21/2025 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.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)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the compa settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and a other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including a corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-03/06/2025 |  | Resolved-Received CD xxxxxx, COC xxxxxx. Finding resolved. - Due Diligence Vendor-03/21/2025 | On time mortgage history exceeds guideline requirement - 0x30X36 mortgage housing history.<br>Long term residence - Long term residence - Primary home 5 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 |
| 828176 | xxxxxx C A | Closed | xxxxxx | 2025-02-10 11:58 | 2025-03-21 07:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-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 $0.49.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). Received CD xxxxxx, and COC xxxxxx. Rounding. Finding resolved. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. COC dates xxxxxx corresponds to CD dated xxxxxx – discount points increased due the lock extension for 10 days. - Seller-03/19/2025 <br> Counter------Received COC xxxxxx, per document, missing corresponding CD xxxxxx. CD must be provided within 3 business days of COC. Finding remains. Zero (0%) tolerance fees increased by $226.29 (Loan Discount Point 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 $226.29, 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-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <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 $226.78.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 $226.29 (Loan Discount Point 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 $226.29, 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.<br> - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. COC dates xxxxxx corresponds to CD dated xxxxxx – discount points increased due the lock extension for 10 days. - Seller-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 | Resolved-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 $0.49.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). Received CD xxxxxx, and COC xxxxxx. Rounding. Finding resolved. - Due Diligence Vendor-03/21/2025 | On time mortgage history exceeds guideline requirement - 0x30X36 mortgage housing history.<br>Long term residence - Long term residence - Primary home 5 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 |
| 828844 | xxxxxx D A | Closed | xxxxxx | 2025-02-18 18:07 | 2025-03-28 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received 1004 attached PUD appraisal and SSRs. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Counter-Received duplicate PUD Rider-appraisal completed as xxxxxx on Form 1073. Provide confirmation of PUD and applicable correct documentation. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see the attached Deed with PUD rider - Seller-02/26/2025 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025 <br>Ready for Review-Document Uploaded. Please see the attached Deed with PUD rider - Seller-02/26/2025<br>| Resolved-Received 1004 attached PUD appraisal and SSRs. - Due Diligence Vendor-03/28/2025<br>|  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828844 | xxxxxx D A | Closed | xxxxxx | 2025-02-18 18:07 | 2025-03-04 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-03/04/2025<br>|  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 828973 | xxxxxx C A | Closed | xxxxxx | 2025-03-20 21:36 | 2025-04-14 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received post closing dated CDA supporting value. Appraiser reduced value and new LCA was pulled supporting value. - Due Diligence Vendor-04/14/2025 <br> Counter-Original Appraisal provided, it appears the appraiser lowered the value. Please provide a desk review with a report date of xxxxxx - Due Diligence Vendor-04/02/2025 <br> Open-Desk review provided shows the appraised value as of xxxxxx to be xxxxxx. However, the appraisal provided in the loan file has an appraised value of xxxxxx. - Due Diligence Vendor-03/21/2025 |  | Resolved-Received post closing dated CDA supporting value. Appraiser reduced value and new LCA was pulled supporting value. - Due Diligence Vendor-04/14/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 298 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 722. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829010 | xxxxxx C A | Closed | xxxxxx | 2025-03-14 14:56 | 2025-03-21 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received complete ACH form. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Counter-ACH form must be complete, signed and dated. All boxes completed. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Foreign National but the ACH form is Missing from file. ACH Authorization - There is both Signed and Blank/Not Accepted - most recent one is Blank/Not Accepted - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Received complete ACH form. - Due Diligence Vendor-03/21/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 36 Months Required = 12 months<br>Months Reserves exceed minimum required - Reserves = 134 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829015 | xxxxxx C A | Closed | xxxxxx | 2025-03-14 12:39 | 2025-03-21 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received complete ACH form. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Counter-ACH must be complete-all boxes completed, signed and dated. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Foreign National but the ACH form is Missing from file. There are 2 ACH forms in file - one Signed and one Blank/Not Accepted - the most Recent one is from Closing and Blank/Not Accepted - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Received complete ACH form. - Due Diligence Vendor-03/21/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 36 Months Required = 12 months<br>Months Reserves exceed minimum required - Reserves = 127 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829057 | xxxxxx C A | Closed | xxxxxx | 2025-03-14 13:49 | 2025-03-21 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH form. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Counter-ACH form is not complete-all boxes must complete and form must be signed. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Foreign National but the ACH form is Missing from file. ACH Authorization - There is both Signed and Blank/Not Accepted - most recent one is Blank/Not Accepted - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Received ACH form. - Due Diligence Vendor-03/21/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 36 Months Required = 12 months<br>Months Reserves exceed minimum required - Reserves = 94 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 829063 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 14:27 | 2025-05-02 11:17 | 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-05/02/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Copy of Note and Deed of Trust are missing - Due Diligence Vendor-04/30/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/02/2025<br>| Verified employment history exceeds guidelines - 25+ years self employed same business<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 685 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 |
| 829063 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 13:20 | 2025-05-01 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received the executed Deed of Trust. - Due Diligence Vendor-05/01/2025 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-04/30/2025 |  | Resolved-Received the executed Deed of Trust. - Due Diligence Vendor-05/01/2025<br>| Verified employment history exceeds guidelines - 25+ years self employed same business<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 685 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 |
| 829063 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 13:20 | 2025-05-01 15:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Received the executed Note. - Due Diligence Vendor-05/01/2025 <br> Open-The Note is Missing - Due Diligence Vendor-04/30/2025 |  | Resolved-Received the executed Note. - Due Diligence Vendor-05/01/2025<br>| Verified employment history exceeds guidelines - 25+ years self employed same business<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 685 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 |
| 829120 | xxxxxx D A C | Closed | xxxxxx | 2025-03-18 12:23 | 2025-03-27 07:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD xxxxxx, Finding resolved. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <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 ($375.00) 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 $12.50 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 $12.50, 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.<br> - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Received PCCD xxxxxx, Finding resolved. - Due Diligence Vendor-03/27/2025 | On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 43.20% |  | 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 |
| 829120 | xxxxxx D A C | Closed | xxxxxx | 2025-03-18 12:23 | 2025-03-27 07:35 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, Finding resolved. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. The loan were signed xxxxxx and disbursement took place xxxxxx. Uploading the PCCD. - Seller-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-03/18/2025 | Ready for Review-Document Uploaded. The loan were signed xxxxxx and disbursement took place xxxxxx. Uploading the PCCD. - Seller-03/26/2025 | Resolved-Received PCCD xxxxxx, Finding resolved. - Due Diligence Vendor-03/27/2025 | On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 43.20% |  | 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 |
| 829120 | xxxxxx D A C | Closed | xxxxxx | 2025-03-20 14:25 | 2025-03-26 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Upon further review, Hazard expires > 60 days of the disbursement. No further documentation is required. - Due Diligence Vendor-03/26/2025 <br> Counter-Received current dec page and RCE. Missing renewal as current policy expires xxxxxx - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-Missing Hazard Insurance Policy The Hazard Insurance Policy is missing from the file - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-Upon further review, Hazard expires > 60 days of the disbursement. No further documentation is required. - Due Diligence Vendor-03/26/2025 | On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 43.20% |  | 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 |
| 829120 | xxxxxx D A C | Closed | xxxxxx | 2025-03-20 14:20 | 2025-03-24 15:57 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-Appraisal is Missing Must coincide with desk review in file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/24/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, qualifying DTI is 43.20% |  | 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 |
| 829126 | xxxxxx C B A | Closed | xxxxxx | 2025-04-23 09:10 | 2025-04-23 10:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-prepay rider to the mortgage not required. Prepay add to the Note in loan file. - Due Diligence Vendor-04/23/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Prepayment Rider - Due Diligence Vendor-04/23/2025 |  | Resolved-prepay rider to the mortgage not required. Prepay add to the Note in loan file. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 660. <br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x24. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829126 | xxxxxx C B A | Closed | xxxxxx | 2025-04-22 10:53 | 2025-04-23 09:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/23/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception in file to increase the max LTV to 75% from 70%: Per xxxxxx guideline, the maximum LTV limit is 75%. - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 660. <br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x24. | 1. Credit Score 30+ points > minimum required. <br> 2. Experienced investor owns and manages 2 or more properties for 12 months. <br> 3. 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 |
| 829379 | xxxxxx D A B | Closed | xxxxxx | 2025-03-26 11:23 | 2025-04-01 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Please find attached the Bank Statement Worksheet - Buyer-03/31/2025 <br> Counter-Bank statement worksheet supporting income considered in qualifying not uploaded-please re upload. - Due Diligence Vendor-03/31/2025 <br> Counter-Bank statement analysis received does not supporting income considered in qualifying. - Due Diligence Vendor-03/28/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-03/26/2025 |  | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-04/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 755 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 40.81% - Max 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 |
| 829379 | xxxxxx D A B | Closed | xxxxxx | 2025-03-25 12:12 | 2025-03-31 10:43 | Resolved | 1 - Information B A | Compliance | State Reg | Subprime Loan Test | Resolved-Within threshold. - Due Diligence Vendor-03/31/2025 <br> Open-Compliant Subprime-APR is within allowable threshold of excess of allowable threshold of APOR -----Compliant Subprime- APR on subject loan of 9.218% is within allowable threshold of APOR of 6.85% + 3.75% or 10.6%. - Due Diligence Vendor-03/25/2025 |  | Resolved-Within threshold. - Due Diligence Vendor-03/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 755 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 40.81% - Max 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 |
| 829417 | xxxxxx C A | Closed | xxxxxx | 2025-04-02 13:13 | 2025-04-03 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Lender guides allow a prepay in xxxxxx on loans vested in an entity. - Due Diligence Vendor-04/03/2025 <br> Open-Prepayment Penalty is not allowed. Permissible on loans with an interest rate equal to or less than 8%, max term 3 years or less - cannot be imposed after first change date for ARMs, tiered structure. - Due Diligence Vendor-04/02/2025 |  | Resolved-Lender guides allow a prepay in xxxxxx on loans vested in an entity. - Due Diligence Vendor-04/03/2025 | Months Reserves exceed minimum required - 7 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 748; guidelines require 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 829512 | xxxxxx D B C A | Closed | xxxxxx | 2025-01-29 12:03 | 2025-02-05 10:25 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received the CDA Report. - Due Diligence Vendor-02/05/2025 <br> Open-Additional valuation product has not been provided. Missing secondary valuation to support appraised value. - Due Diligence Vendor-01/29/2025 |  | Resolved-Received the CDA Report. - Due Diligence Vendor-02/05/2025<br>| Credit history exceeds minimum required - Greater than minimum 12 months required<br>Months Reserves exceed minimum required - 7 available vs. 3 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 829512 | xxxxxx D B C A | Closed | xxxxxx | 2025-01-29 13:20 | 2025-02-04 10:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted an exception for LTV exceeding max allowed of 70%, waiver applied to non material finding with comp factors. - Due Diligence Vendor-06/06/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% DSCR less than 1 max LTV 70% for cash out. - Due Diligence Vendor-01/29/2025 |  | Waived-Client granted an exception for LTV exceeding max allowed of 70%, waiver applied to non material finding with comp factors. - Due Diligence Vendor-06/06/2025<br>| Credit history exceeds minimum required - Greater than minimum 12 months required<br>Months Reserves exceed minimum required - 7 available vs. 3 required. | -Compensating Factor 1 - Subject property home ownership.<br> - Compensating Factor 2 - Reserves exceed requirement by 2 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 830148 | xxxxxx C A | Closed | xxxxxx | 2025-02-13 17:34 | 2025-02-20 09:24 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received the Disaster Inspection Report . Free and clear of any disaster damage. - Due Diligence Vendor-02/20/2025 <br> Open-Declared Disasters in county - post inspection required - Due Diligence Vendor-02/13/2025 |  | Resolved-Received the Disaster Inspection Report . Free and clear of any disaster damage. - Due Diligence Vendor-02/20/2025<br>| Qualifying DTI below maximum allowed - DTI 2.8 is less than 50% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 799 is higher than 740 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830305 | xxxxxx D A | Closed | xxxxxx | 2025-04-02 14:16 | 2025-06-04 10:55 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Updated CDA provided. - Due Diligence Vendor-04/14/2025 <br> Counter-1004D provided, however we are missing a secondary valuation to support the appraised value. - Due Diligence Vendor-04/10/2025 <br> Open-CU provided is over 120 days old, missing updated CU to support appraised value. - Due Diligence Vendor-04/02/2025 |  | Resolved-Updated CDA provided. - Due Diligence Vendor-04/14/2025<br>| DSCR % greater than 1.20 - DSCR 1.291.<br>Months Reserves exceed minimum required - 78.15mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830305 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 17:42 | 2025-04-14 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided with high alerts cleared. - Due Diligence Vendor-04/14/2025 <br> Open-Missing Third Party Fraud Report High alerts to be addresses. All parties involved in the transaction must be included in the fraud report performed by xxxxxx xxxxxx report. - Due Diligence Vendor-04/01/2025 |  | Resolved-Fraud report provided with high alerts cleared. - Due Diligence Vendor-04/14/2025<br>| DSCR % greater than 1.20 - DSCR 1.291.<br>Months Reserves exceed minimum required - 78.15mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830331 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 13:20 | 2025-04-17 13:21 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Resolved-property is not a condo - Due Diligence Vendor-04/17/2025 <br> Open-Missing Structural engineer report. xxxxxx with xxxxxx units. 45 yrs old. - Due Diligence Vendor-02/13/2025 - Due Diligence Vendor-04/17/2025 |  | Resolved-Resolved-property is not a condo - Due Diligence Vendor-04/17/2025<br>| On time mortgage history exceeds guideline requirement - Long Term Investor (11+ yrs) <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 734; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 830331 | xxxxxx C B A | Closed | xxxxxx | 2025-02-12 13:06 | 2025-02-20 08:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attached CD from simultaneous cash out on other property under xxxxxx. - Buyer-02/19/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Insuf Assts - Due Diligence Vendor-02/13/2025 |  | Resolved-Received PCCD. - Due Diligence Vendor-02/20/2025<br>| On time mortgage history exceeds guideline requirement - Long Term Investor (11+ yrs) <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 734; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 830331 | xxxxxx C B A | Closed | xxxxxx | 2025-02-12 12:58 | 2025-02-20 08:44 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attached CD from simultaneous cash out on other property under xxxxxx. - Buyer-02/19/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-25523.68'. Assets are Insufficient. Insuf Assts - Due Diligence Vendor-02/13/2025 |  | Resolved-Received PCCD - Due Diligence Vendor-02/20/2025<br>| On time mortgage history exceeds guideline requirement - Long Term Investor (11+ yrs) <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 734; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | N/A | N/A | xxxxxx |
| 830331 | xxxxxx C B A | Closed | xxxxxx | 2025-02-12 13:14 | 2025-02-13 12:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception in file to proceed with Living rent free. Housing history for DSCR doc type required for primary residence. - Due Diligence Vendor-02/12/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/13/2025<br>| On time mortgage history exceeds guideline requirement - Long Term Investor (11+ yrs) <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 734; minimum score 660. | Long Term Investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Lender Initiated | Investor Post-Close | No | xxxxxx |
| 830343 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 17:33 | 2025-04-22 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received confirmation of payment details on Note - Due Diligence Vendor-04/22/2025 <br> Open-Note does not contain a payment amount. - Due Diligence Vendor-04/16/2025 |  | Resolved-Received confirmation of payment details on Note - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 720<br>Months Reserves exceed minimum required - 53 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830343 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 18:03 | 2025-04-22 11:38 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Appraisal Narrative and BPO provided. - Due Diligence Vendor-04/22/2025 <br> Open-Additional valuation product has not been provided. Missing secondary valuation - Due Diligence Vendor-04/17/2025 |  | Resolved-Appraisal Narrative and BPO provided. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 720<br>Months Reserves exceed minimum required - 53 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830343 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 18:16 | 2025-04-22 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received executed lease-no additional requirements noted on guidelines. - Due Diligence Vendor-04/22/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR - Due Diligence Vendor-04/16/2025 |  | Resolved-Received executed lease-no additional requirements noted on guidelines. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 720<br>Months Reserves exceed minimum required - 53 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830345 | xxxxxx D A | Closed | xxxxxx | 2025-04-02 08:09 | 2025-04-11 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | ARM Disclosure Missing | Resolved-Box is not checked on the mortgage for this rider. - Due Diligence Vendor-04/11/2025 <br> Open-Missing Arm disclosure. DOT does not list as a rider. - Due Diligence Vendor-04/02/2025 |  | Resolved-Box is not checked on the mortgage for this rider. - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - 179 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50%; max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830345 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 11:53 | 2025-04-07 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Mortgage payment history needs to be updated within 45 days of the loan application. - Due Diligence Vendor-04/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements xxxxxx payments for 01/2025 and 02/2025 not provided. - Due Diligence Vendor-04/04/2025 |  | Resolved-Mortgage payment history needs to be updated within 45 days of the loan application. - Due Diligence Vendor-04/07/2025<br>| Months Reserves exceed minimum required - 179 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50%; max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830368 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 16:29 | 2025-05-19 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-05/19/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing ACH form. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received ACH - Due Diligence Vendor-05/19/2025<br>| LTV is less than guideline maximum - LTV 60% LTV. Allowed 70%<br>Long term residence - 11 Years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830518 | xxxxxx C A | Closed | xxxxxx | 2025-04-01 14:47 | 2025-04-14 12:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument with legal attached. - Due Diligence Vendor-04/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A attached to mortgage - Due Diligence Vendor-04/01/2025 |  | Resolved-Received complete security instrument with legal attached. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 820 is higher than the required 640<br>Months Reserves exceed minimum required - 107 mths reserves; 0 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830589 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 830595 | xxxxxx C A | Closed | xxxxxx | 2025-04-02 10:26 | 2025-04-07 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received supporting documentation of OFAC clearance - Due Diligence Vendor-04/07/2025 <br> Open-OFAC Check Not Completed and/or Cleared OFAC search missing for borrower - Due Diligence Vendor-04/02/2025 |  | Resolved-Received supporting documentation of OFAC clearance - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 770 FICO score is 20+ points above 700 minimum<br>Qualifying DTI below maximum allowed - 7.26% DTI below max of 50%<br>Months Reserves exceed minimum required - 23.73 mos reserves; 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 |
| 830639 | xxxxxx B A | Closed | xxxxxx | 2025-04-08 14:31 | 2025-04-10 09:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/10/2025 <br> Open-1) Lease agreement and xxxxxx payments do not match, LOE in the file. 2) Lease name and payee don't match. See LOE in file. Exception was granted. Non-Material: Refinance perfect Mortgage History. - Due Diligence Vendor-04/08/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 704 vs. min of 680<br>Months Reserves exceed minimum required - 12 months available vs. 0 required. | -DTI <43%<br> - Experienced Investor<br> - Long term Employment<br> - Residual Income >$3,000.00 | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 830639 | xxxxxx B A | Closed | xxxxxx | 2025-04-07 18:49 | 2025-04-07 18:49 | 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 finding. - Due Diligence Vendor-04/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 704 vs. min of 680<br>Months Reserves exceed minimum required - 12 months available vs. 0 required. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 830664 | xxxxxx D A | Closed | xxxxxx | 2025-02-12 14:30 | 2025-02-18 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-The trust cert is located on page 506. - Due Diligence Vendor-02/18/2025 <br> Open-Missing Full Trust or Certificate of Trust document - loan vested in trust. - Due Diligence Vendor-02/12/2025 |  | Resolved-The trust cert is located on page 506. - Due Diligence Vendor-02/18/2025<br>| Months Reserves exceed minimum required - Reserves 62.99 exceed 2 months required <br> Qualifying FICO score is at least 20 points above minimum for program - FICO 730 higher than 700 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 830823 | xxxxxx D B A | Closed | xxxxxx | 2025-03-14 13:00 | 2025-06-05 18:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received lender attestation of no affiliates. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/21/2025 <br> Open-Required Affiliated Business Disclosure Missing Please provide a copy of the disclosure as borrower has fees in Section B on the final CD and are not listed whether they are an affiliate or not of the lender. - Due Diligence Vendor-03/14/2025 |  | Waived-Received lender attestation of no affiliates. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO score 752; guidelines require 680<br>CLTV is less than guidelines maximum - o Qualifying CLTV 64%; guideline max 90%. | LTV/CLTV 10% or more below the maximum <br> DTI <= 36% which is below requirement in guidelines<br> 0x30 for 48 months on all mortgages | 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 |
| 830823 | xxxxxx D B A | Closed | xxxxxx | 2025-03-18 15:42 | 2025-06-05 18:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived-Client granted an exception and waiver applied with comp factor. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - 0x30 for 48 months on all mortgages - Buyer-03/21/2025 <br> Open-B1 missing LOE for job gap from 12/2022 to 05/2023. - Due Diligence Vendor-03/18/2025 |  | Waived-Client granted an exception and waiver applied with comp factor. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO score 752; guidelines require 680<br>CLTV is less than guidelines maximum - o Qualifying CLTV 64%; guideline max 90%. | LTV/CLTV 10% or more below the maximum <br> DTI <= 36% which is below requirement in guidelines<br> 0x30 for 48 months on all mortgages | 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 |
| 830823 | xxxxxx D B A | Closed | xxxxxx | 2025-03-25 14:59 | 2025-03-31 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 for B2 - Due Diligence Vendor-04/08/2025 <br> Open-Missing Executed Co Borrower's 4506. - Due Diligence Vendor-03/25/2025 |  | Resolved-Received 4506 for B2 - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO score 752; guidelines require 680<br>CLTV is less than guidelines maximum - o Qualifying CLTV 64%; guideline max 90%. |  | 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 |
| 830823 | xxxxxx D B A | Closed | xxxxxx | 2025-03-18 12:48 | 2025-03-21 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received lenders property tax calculation on amended 1008 - Due Diligence Vendor-03/21/2025 <br> Open-Missing Evidence of Property Tax Missing lender's calculation, audit used amount stated on 1008, - Due Diligence Vendor-03/18/2025 |  | Resolved-Received lenders property tax calculation on amended 1008 - Due Diligence Vendor-03/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - o Qualifying FICO score 752; guidelines require 680<br>CLTV is less than guidelines maximum - o Qualifying CLTV 64%; guideline max 90%. |  | 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 |
| 830839 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 830851 | xxxxxx C A | Closed | xxxxxx | 2025-03-24 13:29 | 2025-04-01 12:00 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-updated appraisal provided with comments there is no damage from the recent disaster. - Due Diligence Vendor-04/01/2025 <br> Open-xxxxxx, Incident Period: xxxxxx, Major Disaster Declaration declared on xxxxxx, INDIVIDUAL & PUBLIC ASSISTANCE. Appraisal completed xxxxxx. No commentary provided. Appraiser must comment on the adverse event and any effect on marketability or value.<br>- Due Diligence Vendor-03/24/2025 |  | Resolved-updated appraisal provided with comments there is no damage from the recent disaster. - Due Diligence Vendor-04/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 700, borrower FICO is 775.<br>LTV is less than guideline maximum - Lender max LTV is 65%, subject LTV is 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830866 | xxxxxx D A | Closed | xxxxxx | 2025-04-10 23:49 | 2025-04-22 11:10 | 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-04/22/2025 <br> Ready for Review-Document Uploaded. Loading directly to xxxxxx - Buyer-04/18/2025 <br> Counter-Please re upload-nothing received (comments 4/16 see attached) - Due Diligence Vendor-04/18/2025 <br> Open-Additional valuation product has not been provided. MISSING ADDITIONAL VALUATION REVIEW. PER GUIDES PG22: require a satisfactory xxxxxx Collateral Desk Assessment (CDA) prior to close unless the appraisal was submitted to xxxxxx Collateral Underwriter (CU) or xxxxxx Collateral Advisor (LCA) and receives a Score <= 2.5. Only one score is required, if both scores (CU and LCA) are provided then both must be <= 2.5. - Due Diligence Vendor-04/11/2025 |  | Resolved-Received SSR with a CU score of 1. - Due Diligence Vendor-04/22/2025<br>| On time mortgage history exceeds guideline requirement - 10+ years<br>Months Reserves exceed minimum required - 100.49mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830866 | xxxxxx D A | Closed | xxxxxx | 2025-04-11 02:44 | 2025-04-11 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received signed Business Purpose Affidavit Disclosure. - Due Diligence Vendor-06/06/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing signed Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received signed Business Purpose Affidavit Disclosure. - Due Diligence Vendor-06/06/2025<br>| On time mortgage history exceeds guideline requirement - 10+ years<br>Months Reserves exceed minimum required - 100.49mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831123 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 831168 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 831239 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 07:42 | 2025-05-06 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-05/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap credit for B1 and B2. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received gap report. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guide 680, actual 719<br>LTV is less than guideline maximum - Guide 80%, actual 59.02% |  | 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 |
| 831239 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 08:03 | 2025-05-06 12:21 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-05/06/2025 <br> Open-Missing Approval/Underwriting Summary Missing 1008 / Approval. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guide 680, actual 719<br>LTV is less than guideline maximum - Guide 80%, actual 59.02% |  | 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 |
| 831358 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 13:17 | 2025-05-01 11:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver DTI > 50.00% applied to non material finding with comp factors - Due Diligence Vendor-05/01/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - 0x30 for 24 months on all mortgages - Buyer-04/29/2025 <br> Open-Audited DTI of 50.93% exceeds Guideline DTI of 50% . Lender took a 24 month average of base earnings, borrower is hourly and must be qualified on a 40 hour week. - Due Diligence Vendor-04/01/2025 |  | Waived-Client provided a waiver DTI > 50.00% applied to non material finding with comp factors - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 738 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 78.93% and max allowed is 85% | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - 0x30 for 24 months on all mortgages | 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 |
| 831358 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 13:18 | 2025-05-01 11:41 | 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-05/01/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - 0x30 for 24 months on all mortgages - Buyer-04/29/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline limits - Due Diligence Vendor-04/01/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 738 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 78.93% and max allowed is 85% |  | 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 |
| 831358 | xxxxxx C B A | Closed | xxxxxx | 2025-03-28 12:02 | 2025-04-23 11:29 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation to no affiliates. Finding resolved. - Due Diligence Vendor-04/23/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Provide copy of disclosure as borrower's title fees are in Section B and there is no proof in file if the payee is an affiliate or not. - Due Diligence Vendor-03/28/2025 |  | Resolved-Received attestation to no affiliates. Finding resolved. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 738 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 78.93% and max allowed is 85% |  | 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 |
| 831358 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 08:26 | 2025-04-01 13:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client waiver applied to non material finding with comp factors. Deemed non-material, these parties would be checked with lender internal background checks. - Due Diligence Vendor-04/01/2025 <br> Open-OFAC Check Not Completed and/or Cleared for the Processor and the Underwriter. - Due Diligence Vendor-04/01/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non-material, these parties would be checked with lender internal background checks. - Due Diligence Vendor-04/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 738 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 78.93% and max allowed is 85% |  | 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 |
| 831382 | xxxxxx C A | Closed | xxxxxx | 2025-04-01 11:09 | 2025-04-03 11:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Loan Closing Statement - Due Diligence Vendor-04/03/2025 <br> Open-\*New\* xxxxxx loan was deposited into escrow. Missing the Loan Agreement and Security Agreement. Additional finding may apply. - Due Diligence Vendor-04/01/2025 |  | Resolved-Received Loan Closing Statement - Due Diligence Vendor-04/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Fico required, subject 736. <br>LTV is less than guideline maximum - 70% LTV allowed, subject 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831382 | xxxxxx C A | Closed | xxxxxx | 2025-03-25 11:34 | 2025-04-01 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received xxxxxx statement. Used 60% of the xxxxxx account as required by the guidelines for reserves.Audited Reserves of 18.71 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/01/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Borrower is short reserves. Borrower used a loan secured to the borrowers xxxxxx assets. reduced the amount of the loan from the balance of the xxxxxx and 60% of the remaining balance per guides. - Due Diligence Vendor-03/25/2025 |  | Resolved-Received xxxxxx statement. Used 60% of the xxxxxx account as required by the guidelines for reserves.Audited Reserves of 18.71 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 Fico required, subject 736. <br>LTV is less than guideline maximum - 70% LTV allowed, subject 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831386 | xxxxxx D A C | Closed | xxxxxx | 2025-03-26 16:56 | 2025-04-07 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-2024 w2 provided. - Due Diligence Vendor-04/07/2025 <br> Open-Borrower 1 W2/1099 Missing Missing 2024 W2 - Due Diligence Vendor-03/26/2025 |  | Resolved-2024 w2 provided. - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 744 is higher than the minimum FICO required of 680<br>Qualifying DTI below maximum allowed - DTI of 40.67% 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 |
| 831386 | xxxxxx D A C | Closed | xxxxxx | 2025-03-26 16:51 | 2025-04-02 11:28 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/02/2025 <br> Open-xxxxxx<br> Incident Period: xxxxxx<br> Appraisal effective date of xxxxxx. PDI Report required - Due Diligence Vendor-03/26/2025 |  | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 744 is higher than the minimum FICO required of 680<br>Qualifying DTI below maximum allowed - DTI of 40.67% 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 |
| 831386 | xxxxxx D A C | Closed | xxxxxx | 2025-03-25 11:40 | 2025-04-01 17:01 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx with the correct disbursement date. - Due Diligence Vendor-04/01/2025 <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-03/25/2025 |  | Resolved-Received PCCD xxxxxx with the correct disbursement date. - Due Diligence Vendor-04/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 744 is higher than the minimum FICO required of 680<br>Qualifying DTI below maximum allowed - DTI of 40.67% 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 |
| 831402 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 13:37 | 2025-04-24 07:26 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-----Received written list of Service Providers dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. I xxxxxx for the confusion. I'm not sure how the service provider list with the incorrect date was mistakenly included in the closing package, but I do have the correct service provider list with the accurate date, and I am sending it to you now. - Seller-04/23/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)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 §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the 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 compa settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ...SPL is dated xxxxxx, not provided within 3 days of application date, provided after closing date of xxxxxx. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. I xxxxxx for the confusion. I'm not sure how the service provider list with the incorrect date was mistakenly included in the closing package, but I do have the correct service provider list with the accurate date, and I am sending it to you now. - Seller-04/23/2025 | Resolved-----Received written list of Service Providers dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 792 is higher than the minimum FICO required of 660<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 831403 | xxxxxx D A | Closed | xxxxxx | 2025-04-15 14:23 | 2025-04-23 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Final settlement statement reflects re tax and HOI impounds. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. Please see attached settlement statement for collection of funds to establish escrow account - first page under "Impounds." We originate only business-purpose loans and our loan document provider does not provide an initial escrow account disclosure in their loan document sets. - Seller-04/23/2025 <br> Open-missing escrow - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Please see attached settlement statement for collection of funds to establish escrow account - first page under "Impounds." We originate only business-purpose loans and our loan document provider does not provide an initial escrow account disclosure in their loan document sets. - Seller-04/23/2025<br>| Resolved-Final settlement statement reflects re tax and HOI impounds. - Due Diligence Vendor-04/23/2025<br>| Months Reserves exceed minimum required - Guide 6 months, actual 35.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, actual 723. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 831403 | xxxxxx D A | Closed | xxxxxx | 2025-04-15 13:57 | 2025-04-23 10:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Originator acknowledged discrepancies on Tape. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Acknowledged. Please proceed. - Buyer-04/23/2025 <br> Counter-Tape received reflects loan amount of xxxxxx-Note reflects xxxxxx - Due Diligence Vendor-04/21/2025 <br> Open-There are Issues Present on the Note that must be addressed. interest rate and loan amount do not match tape - Due Diligence Vendor-04/15/2025 |  | Resolved-Originator acknowledged discrepancies on Tape. - Due Diligence Vendor-04/23/2025<br>| Months Reserves exceed minimum required - Guide 6 months, actual 35.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, actual 723. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 831403 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 10:54 | 2025-04-22 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Upon further review, the Deed of Trust, Assignment of Rents is sufficient and a Rider is not required. - Due Diligence Vendor-04/22/2025 <br> Open-1-4 Unit rider missing. - Due Diligence Vendor-04/17/2025 |  | Resolved-Upon further review, the Deed of Trust, Assignment of Rents is sufficient and a Rider is not required. - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - Guide 6 months, actual 35.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, actual 723. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 831403 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 10:53 | 2025-04-22 11:05 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-04/22/2025 <br> Open-Note date xxxxxx notary date of xxxxxx - Due Diligence Vendor-04/17/2025 |  | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - Guide 6 months, actual 35.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, actual 723. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 831403 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 16:30 | 2025-04-22 11:03 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received DOT with a Notary Date of xxxxxx - Due Diligence Vendor-04/22/2025 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx Note date of xxxxxx and notary dated xxxxxx - Due Diligence Vendor-04/17/2025 |  | Resolved-Received DOT with a Notary Date of xxxxxx - Due Diligence Vendor-04/22/2025 | Months Reserves exceed minimum required - Guide 6 months, actual 35.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, actual 723. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 831403 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 10:40 | 2025-04-22 11:01 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN for the correct Entity. - Due Diligence Vendor-04/22/2025 <br> Open-The Business Entity Formation Document is Missing EIN number provided is for incorrect business. - Due Diligence Vendor-04/17/2025 |  | Resolved-Received EIN for the correct Entity. - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - Guide 6 months, actual 35.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, actual 723. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 831403 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 17:26 | 2025-04-22 10:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-04/22/2025 <br> Open-Missing Approval/Underwriting Summary Missing lender approval/1008. - Due Diligence Vendor-04/16/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - Guide 6 months, actual 35.<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, actual 723. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 831429 | xxxxxx C A | Closed | xxxxxx | 2025-04-09 11:36 | 2025-04-16 10:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received LOE. - Due Diligence Vendor-04/16/2025 <br> Counter-Two months of rent receipts provided for month to month lease. Confirmation from the borrower, that the property has been out of service and is not reflected on Schedule E still required. - Due Diligence Vendor-04/14/2025 <br> Open-Provide confirmation from the borrower, that the property has been out of service and is not reflected on Schedule E. - Due Diligence Vendor-04/14/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 771 is more than 20 points higher than the guideline min of 680.<br>CLTV is less than guidelines maximum - Qualifying CLTV 61.99 is lower than the guideline max of 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 |
| 831429 | xxxxxx C A | Closed | xxxxxx | 2025-03-21 10:14 | 2025-04-09 11:41 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Email from insurance company confirming replacement cost coverage provided. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/08/2025 <br> Counter-Received email from policy provider-missing RCE or confirmation of 100% replacement cost-must meet guideline 3.16.8 Property Insurance requirements-finding remains. - Due Diligence Vendor-04/08/2025 <br> Counter-2nd lien-1st lien must be considered in coverage. The hazard insurance coverage should be equal to the lesser of:• Replacement Cost Estimator o Provided from the property insurer, Provided from a 3rd party source (i.e., xxxxxx)• Estimated cost to replace the dwelling from a recent appraisal, if provided• The unpaid principal balance of the mortgage(s) - Due Diligence Vendor-04/01/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Insuff HOI cvg - Due Diligence Vendor-03/21/2025 |  | Resolved-Email from insurance company confirming replacement cost coverage provided. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 771 is more than 20 points higher than the guideline min of 680.<br>CLTV is less than guidelines maximum - Qualifying CLTV 61.99 is lower than the guideline max of 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 |
| 831429 | xxxxxx C A | Closed | xxxxxx | 2025-03-21 10:55 | 2025-04-09 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-The payment from the first lien Note to be used, this is not a simultaneous loan closing. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Counter-1. Received lease and receipt of rents - use of rental income to qualifying must meet guidelines 2.7.5.4.14 Rental Income. Provide confirmation property out of service and not reflecting on Schedule E, Provide 2 months bank statements supporting rents received. 2. Received 1st lien Note-ARM must meet guidelines 3.6 Qualifying Payment-fully index P&I DTI exceeds 50%. Additional conditions may apply - Due Diligence Vendor-04/08/2025 <br> Open-Audited DTI of 64.1% exceeds Guideline DTI of 50% Lender failed to include correct 1st mortgage payment. Audited DTI of 64.47% exceeds Guideline DTI of 50%. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-The payment from the first lien Note to be used, this is not a simultaneous loan closing. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 771 is more than 20 points higher than the guideline min of 680.<br>CLTV is less than guidelines maximum - Qualifying CLTV 61.99 is lower than the guideline max of 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 |
| 831429 | xxxxxx C A | Closed | xxxxxx | 2025-03-21 10:52 | 2025-04-09 11:20 | 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-04/08/2025 <br> Open-ATR: The Lender did not document all ATR Factors Lender did not correctly include the first mortgage principal and interest payment. - Due Diligence Vendor-03/21/2025 |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 771 is more than 20 points higher than the guideline min of 680.<br>CLTV is less than guidelines maximum - Qualifying CLTV 61.99 is lower than the guideline max of 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 |
| 831429 | xxxxxx C A | Closed | xxxxxx | 2025-03-21 10:52 | 2025-04-09 11:20 | 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-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Counter-DTI exceeds guidelines. ATR Pending. - Due Diligence Vendor-04/08/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Cannot determine status as the lender did not include the accurate 1st mortgage payment and the DTI exceeds guideline. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 771 is more than 20 points higher than the guideline min of 680.<br>CLTV is less than guidelines maximum - Qualifying CLTV 61.99 is lower than the guideline max of 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 |
| 831429 | xxxxxx C A | Closed | xxxxxx | 2025-03-21 11:05 | 2025-04-08 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien Note-ARM. - Due Diligence Vendor-04/08/2025 <br> Counter-Missing 1st lien Mortgage Note-received duplicate copy of 2nd lien Note. - Due Diligence Vendor-04/01/2025 <br> Open-First mortgage note is required per guideline, however only the deed of trust was provided. - Due Diligence Vendor-03/21/2025 |  | Resolved-Received 1st lien Note-ARM. - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 771 is more than 20 points higher than the guideline min of 680.<br>CLTV is less than guidelines maximum - Qualifying CLTV 61.99 is lower than the guideline max of 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 |
| 831460 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 16:02 | 2025-05-28 09:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Received updated statements. - Due Diligence Vendor-05/28/2025 <br> Open-Asset 2 Expired xxxxxx > 120 days old - Due Diligence Vendor-05/15/2025 |  | Resolved-Received updated statements. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 733 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 8.33 months of reserves and 0 are required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831460 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 16:02 | 2025-05-28 09:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Received updated statements. - Due Diligence Vendor-05/28/2025 <br> Open-Asset 3 Expired xxxxxx > 120 days - Due Diligence Vendor-05/15/2025 |  | Resolved-Received updated statements. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 733 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 8.33 months of reserves and 0 are required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831460 | xxxxxx C A | Closed | xxxxxx | 2025-05-16 16:20 | 2025-05-28 09:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received updated statements - Due Diligence Vendor-05/28/2025 <br> Open-Asset 1 Expired xxxxxx > 120 days old - Due Diligence Vendor-05/16/2025 |  | Resolved-Received updated statements - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 733 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 8.33 months of reserves and 0 are required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831460 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 15:30 | 2025-05-28 09:33 | Resolved | 1 - Information B A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received complete purchase contract and addendums. - Due Diligence Vendor-05/28/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing Purchase Contract addendum reflecting seller credit in the amount of $40k and EMD in the amount of $40K - Due Diligence Vendor-05/15/2025 |  | Resolved-Received complete purchase contract and addendums. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 733 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 8.33 months of reserves and 0 are required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831476 | xxxxxx D A C | Closed | xxxxxx | 2025-03-21 17:03 | 2025-04-08 14:37 | 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-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-03/31/2025<br>| Months Reserves exceed minimum required - 42 mos reserves w/cash back at closing; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 767 is more than 20 points higher than the guideline min of 740.<br>On time mortgage history exceeds guideline requirement - 0x30x37 mos on subject |  | 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 |
| 831476 | xxxxxx D A C | Closed | xxxxxx | 2025-03-21 17:03 | 2025-04-08 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received 2023 W-2 - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Counter-Year end paystub for 2024 provided, please provide the 2023 W-2. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. 2 yrs w/ 2023 w2 and year end paystub 2024 - Buyer-04/02/2025 <br> Open-Borrower 2 W2/1099 Missing (2024 & 2022) - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Received 2023 W-2 - Due Diligence Vendor-04/08/2025<br>| Months Reserves exceed minimum required - 42 mos reserves w/cash back at closing; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 767 is more than 20 points higher than the guideline min of 740.<br>On time mortgage history exceeds guideline requirement - 0x30x37 mos on subject |  | 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 |
| 831476 | xxxxxx D A C | Closed | xxxxxx | 2025-03-21 17:10 | 2025-04-08 14:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-Received revised 1003. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Counter-Final 1003 does not reflect a 2 years history for B2. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-WVOE states prior employee xxxxxx, then rehired xxxxxx per WVOE. xxxxxx - Seller-04/02/2025 <br> Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months per Final 1003 - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Ready for Review-WVOE states prior employee xxxxxx, then rehired xxxxxx per WVOE. xxxxxx - Seller-04/02/2025 | Resolved-Received revised 1003. - Due Diligence Vendor-04/08/2025<br>| Months Reserves exceed minimum required - 42 mos reserves w/cash back at closing; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 767 is more than 20 points higher than the guideline min of 740.<br>On time mortgage history exceeds guideline requirement - 0x30x37 mos on subject |  | 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 |
| 831476 | xxxxxx D A C | Closed | xxxxxx | 2025-03-19 16:48 | 2025-04-03 14:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Title- Doc fee disclosed in section B should not be included in 10% tolerance testing. With that fee excluded from test, the 10% tolerance violation of $6.90 is covered by the Lender Credit of $194.45 on final CD. Finding resolved. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Please advise if we can send a PCCD correcting the document preparation feed listed in the correct section. It is currently in section B and should be in Sect C. - Buyer-04/03/2025 <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% ($166.00) exceed the comparable charges ($81.00) 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 (Document Prep fee) increased by $70.00 without a valid COC in file. However, there is a lender credit for fee's above legal limit on Final Cd xxxxxx in the amount of $6.90. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $70.00, 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-03/19/2025 |  | Resolved-Title- Doc fee disclosed in section B should not be included in 10% tolerance testing. With that fee excluded from test, the 10% tolerance violation of $6.90 is covered by the Lender Credit of $194.45 on final CD. Finding resolved. - Due Diligence Vendor-04/03/2025<br>| Months Reserves exceed minimum required - 42 mos reserves w/cash back at closing; 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 767 is more than 20 points higher than the guideline min of 740.<br>On time mortgage history exceeds guideline requirement - 0x30x37 mos on subject |  | 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 |
| 831488 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 831532 | xxxxxx C B A | Closed | xxxxxx | 2025-04-04 12:53 | 2025-04-10 14:44 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Client waiver applied to non-material finding with compensating factors. CPA letter received confirming the prior employment and current employment are the same line of work. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. MANUAL UPLOAD - Buyer-04/10/2025 <br> Open-Exception in file states borrower had experience in the same field at prior employer as current employment in xxxxxx. However, the CTEC letter does not indicate prior business was in the same line of business and there is nothing in the file to indicate same line of work. Finding remains open and material. - Due Diligence Vendor-04/04/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. CPA letter received confirming the prior employment and current employment are the same line of work. - Due Diligence Vendor-04/10/2025<br>| CLTV is less than guidelines maximum - CLTV of 59.99% is less than 80% maximum <br>Qualifying DTI below maximum allowed - DTI of 16.07% is below 50% maximum | - LTV/CLTV 10% or more below maximum<br> - DTI<= 40% <br> - Credit score 30+ points above minimum | 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 |
| 831532 | xxxxxx C B A | Closed | xxxxxx | 2025-04-04 13:04 | 2025-04-10 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries provided. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. MANUAL UPLOAD - Buyer-04/10/2025 <br> Open-LOX for credit inquiries is missing. 2/11/25 - Due Diligence Vendor-04/04/2025 |  | Resolved-LOX for credit inquiries provided. - Due Diligence Vendor-04/10/2025<br>| CLTV is less than guidelines maximum - CLTV of 59.99% is less than 80% maximum <br>Qualifying DTI below maximum allowed - DTI of 16.07% is below 50% maximum |  | 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 |
| 831546 | xxxxxx D A | Closed | xxxxxx | 2025-03-26 13:39 | 2025-04-01 16:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender has no affiliates. Affiliated Business Disclosure not required. - Due Diligence Vendor-04/01/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-03/26/2025 |  | Resolved-Received attestation that lender has no affiliates. Affiliated Business Disclosure not required. - Due Diligence Vendor-04/01/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 73.33 is lower than the guideline max of 90.<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.59 is lower than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 756 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 | Cash Out - Other | N/A | N/A | xxxxxx |
| 831549 | xxxxxx D A | Closed | xxxxxx | 2025-03-26 14:21 | 2025-04-01 11:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd Correspondence No Affiliates Letter: Please be advised xxxxxx does not have a affiliates. Please accept this letter & run a compliance related tests based on not having a affiliates. Finding Resolved. - Due Diligence Vendor-04/01/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-03/26/2025 |  | Resolved-Rec'd Correspondence No Affiliates Letter: Please be advised xxxxxx does not have any affiliates. Please accept this letter & run any compliance related tests based on not having any affiliates. Finding Resolved. - Due Diligence Vendor-04/01/2025 | Months Reserves exceed minimum required - 11.91 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 817 |  | 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 |
| 831551 | xxxxxx B A | Closed | xxxxxx | 2025-03-21 15:49 | 2025-03-24 12:27 | 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-03/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-03/21/2025<br>| Months Reserves exceed minimum required - 35.97mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 723. Per guides, minimum score required 680. |  | 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 |
| 831552 | xxxxxx B A | Closed | xxxxxx | 2025-04-08 12:20 | 2025-04-09 10:22 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-04/09/2025 <br> Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx --Appraisal completed prior to event - Due Diligence Vendor-04/08/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-04/09/2025<br>| CLTV is less than guidelines maximum - CLTV 70% is less than guidelines maximum(85%)<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program.(680) |  | 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 |
| 831552 | xxxxxx B A | Closed | xxxxxx | 2025-04-07 12:36 | 2025-04-07 12:36 | 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-04/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/07/2025<br>| CLTV is less than guidelines maximum - CLTV 70% is less than guidelines maximum(85%)<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 718 is at least 20 points above minimum for program.(680) |  | 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 |
| 831586 | xxxxxx C B A | Closed | xxxxxx | 2025-03-17 14:10 | 2025-03-24 09:05 | 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-03/24/2025 <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 ROR Expiration Date. - Due Diligence Vendor-03/17/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 738; minimum required 680.<br>LTV is less than guideline maximum - LTV 54%; 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 |
| 831586 | xxxxxx C B A | Closed | xxxxxx | 2025-03-17 15:25 | 2025-03-17 15:25 | 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. - Due Diligence Vendor-03/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 738; minimum required 680.<br>LTV is less than guideline maximum - LTV 54%; max 90%. |  | 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 |
| 831598 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 12:07 | 2025-05-27 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/08/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Provide the Business Purpose Affidavit Disclosure - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-05/08/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2.5X the required amount required by guidelines<br>LTV is less than guideline maximum - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831598 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 12:07 | 2025-05-27 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received loan agreement. - Due Diligence Vendor-05/27/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Missing Loan agreement - Due Diligence Vendor-04/28/2025 |  | Resolved-Received loan agreement. - Due Diligence Vendor-05/27/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2.5X the required amount required by guidelines<br>LTV is less than guideline maximum - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831598 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 12:07 | 2025-05-27 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-05/27/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing guaranty Agreement - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Guaranty Agreement - Due Diligence Vendor-05/27/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2.5X the required amount required by guidelines<br>LTV is less than guideline maximum - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831598 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:52 | 2025-05-12 16:21 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Gift letter for $360,000 received and 2 wires to the title company for $240,000 & $120,000. - Due Diligence Vendor-05/12/2025 <br> Counter-Received duplicate documentation-gift letter $360,000 with only $240,000 receipt received. Original finding remains. - Due Diligence Vendor-05/09/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide updated Gift Letter. - Due Diligence Vendor-04/28/2025 |  | Resolved-Gift letter for $360,000 received and 2 wires to the title company for $240,000 & $120,000. - Due Diligence Vendor-05/12/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2.5X the required amount required by guidelines<br>LTV is less than guideline maximum - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831598 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:08 | 2025-05-08 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-05/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide the borrowers Gap Credit report. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-05/08/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2.5X the required amount required by guidelines<br>LTV is less than guideline maximum - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831598 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:50 | 2025-05-01 12:38 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan approval - Due Diligence Vendor-05/01/2025 <br> Open-Missing Approval/Underwriting Summary Provide final 1008. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received loan approval - Due Diligence Vendor-05/01/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2.5X the required amount required by guidelines<br>LTV is less than guideline maximum - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 831598 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 12:22 | 2025-04-28 19:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material comps within xxxxxx. - Due Diligence Vendor-04/28/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception request for Rural Exception. - Due Diligence Vendor-04/28/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material comps within xxxxxx. - Due Diligence Vendor-04/28/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2.5X the required amount required by guidelines<br>LTV is less than guideline maximum - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | Residual income more than 2.5x the amount required by guidelines.<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Self- employed for > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 831600 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 831639 | xxxxxx D A | Closed | xxxxxx | 2025-03-24 12:02 | 2025-03-25 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. Upon further review, correction is not required as borrower is shown as the guarantor - Due Diligence Vendor-03/25/2025 <br> Ready for Review-this is made by xxxxxx - on behalf of xxxxxx - signed as xxxxxx - this is how the personal guaranty is completed and is correct. this is how all the personal guaranty's are completed and how the prior on her other loan and all other guaranty's have been completed. - Seller-03/24/2025 <br> Ready for Review-Document Uploaded. was page 347-355 of package please clear ASAP - Seller-03/24/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Guaranty Agreement must be signed as an individual. - Due Diligence Vendor-03/24/2025 | Ready for Review-this is made by xxxxxx - on behalf of xxxxxx - signed as xxxxxx - this is how the personal guaranty is completed and is correct. this is how all the personal guaranty's are completed and how the prior on her other loan and all other guaranty's have been completed. - Seller-03/24/2025 <br> Ready for Review-Document Uploaded. was page 347-355 of package please clear ASAP - Seller-03/24/2025 | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. Upon further review, correction is not required as borrower is shown as the guarantor - Due Diligence Vendor-03/25/2025<br>| Months Reserves exceed minimum required - Reserves are 111 mo's vs min required of 2 mo's. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR > 1 with min allowed to 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831646 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-10 15:29 | 2025-05-06 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received mortgage confirming the loan closed xxxxxx and proof of Jan, Feb and March payments made on time. - Due Diligence Vendor-05/06/2025 <br> Counter-Received mortgage. Please provide the Note and any payments required through close. - Due Diligence Vendor-05/06/2025 <br> Counter-Provide VOM or copy of Note for 2nd lien to confirm 1st payment date. - Due Diligence Vendor-05/01/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing mortgage verification for the borrower's 2nd mortgage on their primary residence - Due Diligence Vendor-04/10/2025 |  | Resolved-Received mortgage confirming the loan closed xxxxxx and proof of Jan, Feb and March payments made on time. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, subject 734, <br>Qualifying DTI below maximum allowed - 41.16% DTI; 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 831646 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-09 11:59 | 2025-04-15 09:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-04/15/2025 <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 $10.00.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 $10 (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 $10, 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-04/09/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, subject 734, <br>Qualifying DTI below maximum allowed - 41.16% DTI; 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 831646 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-09 11:30 | 2025-04-10 13:34 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2025 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-04/09/2025 |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, subject 734, <br>Qualifying DTI below maximum allowed - 41.16% DTI; 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 831646 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-09 11:30 | 2025-04-10 13:34 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2025 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-04/09/2025 |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Fico required, subject 734, <br>Qualifying DTI below maximum allowed - 41.16% DTI; 50% max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 831688 | xxxxxx C B A | Closed | xxxxxx | 2025-04-14 12:27 | 2025-06-05 18:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Individual Property DSCR is less than Guideline minimum | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-LENDER EXCEPTION FOR INCOME DOCUMENTATION: PURCHASE IS REQUIRED TO USE 1007 FOR INCOME. REQUEST EXCEPTION TO USE NEW LEASED AMOUNT WITH 1 MONTH RENT AND 1 MONTH DEPOSIT. PER MATRIX: If using a higher actual lease amount, evidence of 2-months of receipt is required, and the lease amount must be within 120% of the estimated market rent from the 1007/1025. - Due Diligence Vendor-04/14/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - 31 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 664. Per guides, minimum score required 640. | CLTV: 75.00% <br> Loan amount: xxxxxx <br> DSCR: >1.00 Credit <br> Score: 664 <br> Reserves: 6 or More Mos. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 831738 | xxxxxx C B A | Closed | xxxxxx | 2025-04-07 11:33 | 2025-04-18 10:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received confirmation of co-mingled bank statements with 50% expense factor. No additional documentation required. - Due Diligence Vendor-04/18/2025 <br> Counter-Received confirmation co-mingled bank statements. Missing originator bank statement analysis reflecting expense factor. - Due Diligence Vendor-04/14/2025 <br> Counter-Must meet guideline 2.7.6.2.2 co-Mingled bank statement review OR provide 2 months business bank statements supporting deposits. - Due Diligence Vendor-04/10/2025 <br> Open-Income and Employment Do Not Meet Guidelines- When personal bank statements are being utilized, the Most recent two (2) months of BUSINESS bank statements are required. The file does not contain business bank statements. - Due Diligence Vendor-04/07/2025 |  | Resolved-Received confirmation of co-mingled bank statements with 50% expense factor. No additional documentation required. - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 737<br>CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 62.09% |  | 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 |
| 831738 | xxxxxx C B A | Closed | xxxxxx | 2025-04-04 11:57 | 2025-04-04 12:13 | 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-04/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 737<br>CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 62.09% |  | 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 |
| 831739 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 831782 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 831820 | xxxxxx D A | Closed | xxxxxx | 2025-05-02 11:54 | 2025-06-06 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Exception to the guides is not required under the xxxxxx. - Due Diligence Vendor-05/05/2025 <br> Open-Exception in file for cash out refi DSCR <1 on xxxxxx. - Due Diligence Vendor-05/02/2025 |  | Resolved-Exception to the guides is not required under the xxxxxx. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - 69.27 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 40% max 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831820 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 10:13 | 2025-05-05 13:09 | Resolved | 1 - Information A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-FN with no credit. Added finding for loan does not conform for cash out waiver. - Due Diligence Vendor-05/02/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Lender exception in file for cash out refi DSCR <1 on xxxxxx. - Due Diligence Vendor-04/07/2025 |  | Resolved-FN with no credit. Added finding for loan does not conform for cash out waiver. - Due Diligence Vendor-05/02/2025<br>| Months Reserves exceed minimum required - 69.27 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 40% max 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831820 | xxxxxx D A | Closed | xxxxxx | 2025-04-03 15:28 | 2025-04-25 16:34 | Resolved | 1 - Information C A | Credit | Borrower | Foreign National Country or Residence is on Sanctions List | Resolved-Received OFAC search for all programs as required by the guidelines. No hits. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Counter-Please provide the OFAC report for all three programs for the Borrower and the Business Entity. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Foreign National Country or Residence on Sanctions List. Borrower is from xxxxxx per guides OFAC ineligible . - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received OFAC search for all programs as required by the guidelines. No hits. - Due Diligence Vendor-04/25/2025<br>| Months Reserves exceed minimum required - 69.27 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 40% max 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831820 | xxxxxx D A | Closed | xxxxxx | 2025-04-03 15:20 | 2025-04-17 17:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Birth date on 1003 does not match the birth date on passport. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received corrected 1003 - Due Diligence Vendor-04/17/2025<br>| Months Reserves exceed minimum required - 69.27 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 40% max 60%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 831903 | xxxxxx C A | Closed | xxxxxx | 2025-03-21 08:08 | 2025-04-01 11:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Received LOE and PCCD xxxxxx with correction. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Please see PCCD and LOE - Buyer-03/31/2025 <br> Open------Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. - Due Diligence Vendor-03/21/2025 |  | Resolved-Received LOE and PCCD xxxxxx with correction. - Due Diligence Vendor-04/01/2025 | LTV is less than guideline maximum - LTV is 79.95% and max allowed is 90%<br>Qualifying DTI below maximum allowed - DTI is 19.24% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 804 and minimum allowed is 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 |
| 831905 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 831923 | xxxxxx D B A | Closed | xxxxxx | 2025-03-17 17:25 | 2025-04-03 11:56 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Waived-Client provided a waiver to business purpose affidavit, applied to non material finding with comp factor - Due Diligence Vendor-04/03/2025 <br> Counter-Please provide fully executed Business Purpose Affidavit as required within 3.10.3 of Close End Seconds guidelines. - Due Diligence Vendor-04/01/2025 <br> Counter-Borrower Certification of Business Purpose required per 3.10.6 of Closed End Seconds guidelines. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-A business purpose affidavit is not required for a xxxxxx program loan. - Buyer-03/24/2025 <br> Open-Missing Business Purpose Affidavit - Due Diligence Vendor-03/17/2025 |  | Waived-Client provided a waiver to business purpose affidavit, applied to non material finding with comp factor - Due Diligence Vendor-04/03/2025<br>| Months Reserves exceed minimum required - 31.23 mos rsrvs; 0 required<br>Credit history exceeds minimum required - Borrower has credit since 2002, with timely mortgage history since 2020, all other trades paid timely.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 44.8% | 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 831948 | xxxxxx B A | Closed | xxxxxx | 2025-03-12 16:42 | 2025-03-12 16:42 | 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.<br> - Due Diligence Vendor-03/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 40.3% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 723 is higher than the minimum required score of 680 |  | 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 |
| 831963 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 831970 | xxxxxx D A | Closed | xxxxxx | 2025-03-28 11:53 | 2025-04-04 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-AVM is the primary value. - Due Diligence Vendor-04/01/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Secondary Valuation product is dated prior to the Appraisal date. Provide a Secondary Valuation dated after the Primary valuation. - Due Diligence Vendor-03/28/2025 |  | Resolved-AVM is the primary value. - Due Diligence Vendor-04/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 63.7% and max allowed is 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 |
| 831970 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 15:54 | 2025-04-01 14:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-received privacy policy confirming no affiliates. - Due Diligence Vendor-04/01/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-03/27/2025 |  | Resolved-received privacy policy confirming no affiliates. - Due Diligence Vendor-04/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 63.7% and max allowed is 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 |
| 831985 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 13:39 | 2025-04-04 17:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-04/04/2025 <br> Open-Business purpose disclosure is missing on a DSCR loan - Due Diligence Vendor-04/04/2025 |  | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-04/04/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 104.03 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, Qualifying score is 724 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832149 | xxxxxx D A | Closed | xxxxxx | 2025-04-05 00:44 | 2025-04-11 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Document Uploaded. Lease agreement and rent receipts provided. - Due Diligence Vendor-04/11/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. MISSING VOR. BORR RENTING PRIMARY RESIDENCE. If private landlord must meet guidelines. - Due Diligence Vendor-04/05/2025 |  | Resolved-Document Uploaded. Lease agreement and rent receipts provided. - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - 110.82mos reserves. Per guides, 2 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 749. Per guides, minimum score required 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832151 | xxxxxx C A | Closed | xxxxxx | 2025-04-14 08:46 | 2025-04-17 16:17 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-prepay term of 24 months acceptable per lender. - Due Diligence Vendor-04/17/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '24'. - Due Diligence Vendor-04/17/2025 |  | Resolved-prepay term of 24 months acceptable per lender. - Due Diligence Vendor-04/17/2025<br>| Months Reserves exceed minimum required - 37.88mos reserves. Per guides, 2 reserves required.<br>DSCR % greater than 1.20 - DSCR 1.255. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832169 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 832175 | xxxxxx C A | Closed | xxxxxx | 2025-04-07 11:37 | 2025-04-08 09:46 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-1st lien Note provided. - Due Diligence Vendor-04/08/2025 <br> Open-Missing copy of First Lien Note. per Matrix required. - Due Diligence Vendor-04/07/2025 |  | Resolved-1st lien Note provided. - Due Diligence Vendor-04/08/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.32% max is 50%.<br>On time mortgage history exceeds guideline requirement - 0x30 on time housing 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 | N/A | N/A | xxxxxx |
| 832184 | xxxxxx C A | Closed | xxxxxx | 2025-04-03 08:57 | 2025-04-14 13:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final title provided with correct loan amount. - Due Diligence Vendor-04/14/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Amount of coverages is insufficient - Due Diligence Vendor-04/03/2025 |  | Resolved-Final title provided with correct loan amount. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 763<br>Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 22.78 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 |
| 832184 | xxxxxx C A | Closed | xxxxxx | 2025-04-03 14:32 | 2025-04-03 14:42 | 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-04/03/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline limits - Due Diligence Vendor-04/03/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 763<br>Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 22.78 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 |
| 832184 | xxxxxx C A | Closed | xxxxxx | 2025-04-03 14:32 | 2025-04-03 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 43.01% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-04/03/2025 <br> Open-Audited DTI of 48.32% exceeds Guideline DTI of 45% Lender did not add 1st lien into DTI - Due Diligence Vendor-04/03/2025 |  | Resolved-Audited DTI of 43.01% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-04/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 763<br>Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 22.78 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 |
| 832194 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 13:41 | 2025-05-22 08:36 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD xxxxxx, LOX, copy of check and proof of delivery. - Due Diligence Vendor-05/22/2025 <br> Counter-Client response: cic dated xxxxxx attached addressing discount points. this extended rate lock until xxxxxx but on xxxxxx we had to extend again because we did not fund until xxxxxx<br> Audit response: Consummation date on subject loan is xxxxxx. Final CD signed xxxxxx with Loan Points Amount of $4457.25 with valid COC dated xxxxxx. PCCD dated and signed xxxxxx with increased Loan Points Amount of $4524.75 with invalid COC dated xxxxxx as it is post-consummation for an increase above legal limit of $67.50. Increased post-consummation fee tolerance amounts are not permitted to rebaseline therefore, a refund is due to the borrower. Please provide evidence of refund or principal reduction in the amount of $67.50, PCCD, LOE and evidence of delivery to borrower. Finding remains - Due Diligence Vendor-05/14/2025 <br> Counter-Received COC and CD dated xxxxxx which is already in file. COC is not valid after consummation date which was xxxxxx. Provide evidence of refund to borrower or principal reduction in the amount of $67.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-05/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $67.50.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 $67.50 (Discount Points Fee) on PCCD. Provide evidence of refund to borrower or principal reduction in the amount of $67.50, 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-05/01/2025 |  | Cured-Received PCCD xxxxxx, LOX, copy of check and proof of delivery. - Due Diligence Vendor-05/22/2025 | Long term residence - Borrowers have resided in subject property for 7 years and 5 months.<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 13.89 months |  | 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 |
| 832194 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 20:07 | 2025-05-14 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report for both borrowers. - Due Diligence Vendor-05/14/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report is missing for the B1 & B2. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received Gap report for both borrowers. - Due Diligence Vendor-05/14/2025<br>| Long term residence - Borrowers have resided in subject property for 7 years and 5 months.<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 13.89 months |  | 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 |
| 832194 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 11:52 | 2025-05-12 10:03 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received Intent to Proceed signed by borrower. - Due Diligence Vendor-05/12/2025 <br> Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-05/06/2025 |  | Resolved-Received Intent to Proceed signed by borrower. - Due Diligence Vendor-05/12/2025<br>| Long term residence - Borrowers have resided in subject property for 7 years and 5 months.<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 13.89 months |  | 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 |
| 832194 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 10:52 | 2025-05-12 09:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. - Due Diligence Vendor-05/12/2025 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Homeownership Counseling Disclosure. - Due Diligence Vendor-05/12/2025<br>| Long term residence - Borrowers have resided in subject property for 7 years and 5 months.<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 13.89 months |  | 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 |
| 832194 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 20:21 | 2025-05-06 12:24 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval - Due Diligence Vendor-05/06/2025 <br> Open-Missing Approval/Underwriting Summary Loan approval or 1008 is missing from the file - Due Diligence Vendor-05/02/2025 |  | Resolved-Received Approval - Due Diligence Vendor-05/06/2025<br>| Long term residence - Borrowers have resided in subject property for 7 years and 5 months.<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 13.89 months |  | 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 |
| 832194 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 10:52 | 2025-05-06 10:58 | 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-05/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2025<br>| Long term residence - Borrowers have resided in subject property for 7 years and 5 months.<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 13.89 months |  | 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 |
| 832196 | xxxxxx D A C | Closed | xxxxxx | 2025-04-18 15:08 | 2025-05-06 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received policy w/premium. - Due Diligence Vendor-05/06/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Premium not provided on policy. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received policy w/premium. - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - 130 months PITIA reserves; 9 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40%; max permitted 50%. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832196 | xxxxxx D A C | Closed | xxxxxx | 2025-04-17 11:48 | 2025-04-21 15:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Resolved. Lender provided credit of $5 for increase in closing costs above legal limit (Appraisal Fee)<br>----- $0.43 (Credit Report Fee) - Rounding issue - Due Diligence Vendor-04/21/2025 <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 $5.43.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). ----- Resolved. Lender provided credit of $5 for increase in closing costs above legal limit (Appraisal Fee)<br>----- $0.43 (Credit Report Fee) - Rounding issue - Due Diligence Vendor-04/17/2025 |  | Resolved------ Resolved. Lender provided credit of $5 for increase in closing costs above legal limit (Appraisal Fee)<br>----- $0.43 (Credit Report Fee) - Rounding issue - Due Diligence Vendor-04/21/2025 | Months Reserves exceed minimum required - 130 months PITIA reserves; 9 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40%; max permitted 50%. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832201 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 832205 | xxxxxx C B A | Closed | xxxxxx | 2025-02-26 14:57 | 2025-03-05 17:15 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Upon further review, the loan file contained all required HOI documentations - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Rent Loss coverage is not required based on the program guidelines. - Seller-03/03/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Rent Loss Coverage is missing from policy - Due Diligence Vendor-02/26/2025 | Ready for Review-Rent Loss coverage is not required based on the program guidelines. - Seller-03/03/2025<br>| Resolved-Upon further review, the loan file contained all required HOI documentations - Due Diligence Vendor-03/05/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 3, borrower has 40.51 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 719 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832205 | xxxxxx C B A | Closed | xxxxxx | 2025-02-26 15:46 | 2025-02-26 16:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/06/2025 <br> Open-Missing proof of rent receipts. - Due Diligence Vendor-06/06/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/06/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 3, borrower has 40.51 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 719 | FICO is 20 points higher than min<br> 4+ years in primary<br> 5+ years at same employment | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832208 | xxxxxx D B A C | Closed | xxxxxx | 2025-02-26 17:29 | 2025-03-21 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003 and documentation to support ownership > 2 years. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003 showing the borrower had actually lived at the property for 2 years and 3 months. Also attached is a copy of the xxxxxx Listing showing the property was last sold in xxxxxx, and we note that Credit also shows the borrower reporting xxxxxx as their current residence since xxxxxx. - Seller-03/20/2025 <br> Counter-Complete 2 year housing history is required-verification is limited to 12 months. Please provide complete 1003 - Due Diligence Vendor-03/05/2025 <br> Ready for Review-The subject loan was approved using DSCR program guidelines. According to the program guidelines "Housing history for the DSCR Doc type is limited to verifying 12 months of the borrower's primary residence...For any non-subject property, non-primary mortgages not reporting to the credit bureau, additional housing history is not required". - Seller-03/03/2025 <br> Open-Missing 2 year housing history. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Please see corrected 1003 showing the borrower had actually lived at the property for 2 years and 3 months. Also attached is a copy of the xxxxxx Listing showing the property was last sold in xxxxxx, and we note that Credit also shows the borrower reporting xxxxxx as their current residence since xxxxxx. - Seller-03/20/2025 <br> Ready for Review-The subject loan was approved using DSCR program guidelines. According to the program guidelines "Housing history for the DSCR Doc type is limited to verifying 12 months of the borrower's primary residence...For any non-subject property, non-primary mortgages not reporting to the credit bureau, additional housing history is not required". - Seller-03/03/2025 | Resolved-Received revised 1003 and documentation to support ownership > 2 years. - Due Diligence Vendor-03/21/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 6.57 months<br>On time mortgage history exceeds guideline requirement - On time mortgage history 0x30 exceeds 24 mo's. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 832208 | xxxxxx D B A C | Closed | xxxxxx | 2025-02-26 12:11 | 2025-03-05 17:10 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/03/2025 <br> Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Appraisal completed xxxxxx. Subject in xxxxxx. No PDI or 1004D found in loan file - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/03/2025<br>| Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-03/05/2025 | Months Reserves exceed minimum required - Min 3 months, actual 6.57 months<br>On time mortgage history exceeds guideline requirement - On time mortgage history 0x30 exceeds 24 mo's. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 832208 | xxxxxx D B A C | Closed | xxxxxx | 2025-02-26 12:08 | 2025-02-26 17:32 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements 100% of business assets to be used. <br> Originator exception granted and in file. Waiver applied with comp factors. - Due Diligence Vendor-02/26/2025 |  | Waived-Asset Qualification Does Not Meet Guideline Requirements 100% of business assets to be used. <br> Originator exception granted and in file. Waiver applied with comp factors. - Due Diligence Vendor-02/26/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 6.57 months<br>On time mortgage history exceeds guideline requirement - On time mortgage history 0x30 exceeds 24 mo's. | 24 month on time mortgage history<br> 24 month clean credit history | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 832210 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 832222 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 832242 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832248 | xxxxxx C A | Closed | xxxxxx | 2025-05-12 16:57 | 2025-05-12 16:59 | Resolved | 1 - Information C A | Compliance | TRID | Post-Consummation Event and Revised Closing Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-05/12/2025 <br> Open-This loan failed the post-consummation event and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(iii))The post-consummation reason for redisclosure is "post-consummation change to an amount paid by the borrower" and:The post-consummation event requiring redisclosure date is at most 30 calendar days after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; andThe post-consummation revised closing disclosure delivery date is more than 30 calendar days after the date the creditor received knowledge of the event that caused a change to an amount actually paid by the consumer.Changes due to events occurring after consummation. If during the 30-day period following consummation, an event in connection with the settlement of the transaction occurs that causes the disclosures required under §1026.19 (f)(1)(i) to become inaccurate, and such inaccuracy results in a change to an amount actually paid by the consumer from that amount disclosed under §1026.19 (f)(1)(i), the creditor shall deliver or place in the mail corrected disclosures not later than 30 days after receiving information sufficient to establish that such event has occurred. - Due Diligence Vendor-05/12/2025 |  | Resolved-PCCD obtained which resolved timing issue - Due Diligence Vendor-05/12/2025 | LTV is less than guideline maximum - 80% < Max 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 697 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832248 | xxxxxx C A | Closed | xxxxxx | 2025-03-03 13:00 | 2025-03-12 16:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received confirmation reduced reserves-6 months only required. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please see attached screenshot of the xxxxxx matrix allowing for a 3-month reduction in reserve requirements for LTV of 80% - Seller-03/11/2025 <br> Counter-Unable to locate reduction of reserves for document type on matrix. Loan is bank statement income type. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-We respectfully disagree. The xxxxxx matrix allows for a 3-month reduction in reserve requirements for LTV of 80%. - Seller-03/05/2025 <br> Open-Audited Reserves of 6.23 month(s) are less than Guideline Required Reserves of 9 month(s) Final 1003 has gift of $280,000, gift letter and wire to escrow in file is for $253,000 accounts for shortage. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Please see attached screenshot of the xxxxxx matrix allowing for a 3-month reduction in reserve requirements for LTV of 80% - Seller-03/11/2025 <br> Ready for Review-We respectfully disagree. The xxxxxx matrix allows for a 3-month reduction in reserve requirements for LTV of 80%. - Seller-03/05/2025 | Resolved-Received confirmation reduced reserves-6 months only required. - Due Diligence Vendor-03/12/2025<br>| LTV is less than guideline maximum - 80% < Max 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 697 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832250 | xxxxxx C B A | Closed | xxxxxx | 2025-03-25 11:25 | 2025-04-10 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/10/2025 <br> Counter-Received Trust Cert-finding remains. Must meet 4.7 of guidelines. Finding remains. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. We kindly Disagree as the Trust Cert, contained in the file, evidences that the borrower is the sole Trustee of the xxxxxx. Since the borrower is the sole member, and the the additional member from the LLC authorized the refinance, the requirements to Vest in the LLC would be met. We ask that this condition please be cleared. - Seller-04/07/2025 <br> Counter-Received entity review by 3rd party. Vesting entity ineligible as per guidelines 4.7.1 Finding remains. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. The loan file included a 3rd party entity review of the LLC along with a consent/authorization signed by the remaining members of the LLC allowing xxxxxx, trustee of the xxxxxx to enter and execute on behalf of the company (outlining the specifics of the subject loan). - Seller-03/25/2025 <br> Open-Ineligible Borrower due to layering of the vested LLC, 50% member is a trust. Business entities whose members include other LLCs, Corporations, Partnerships, or Trusts are ineligible. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/10/2025 <br> Ready for Review-Document Uploaded. We kindly Disagree as the Trust Cert, contained in the file, evidences that the borrower is the sole Trustee of the xxxxxx. Since the borrower is the sole member, and the the additional member from the LLC authorized the refinance, the requirements to Vest in the LLC would be met. We ask that this condition please be cleared. - Seller-04/07/2025 <br> Ready for Review-Document Uploaded. The loan file included a 3rd party entity review of the LLC along with a consent/authorization signed by the remaining members of the LLC allowing xxxxxx, trustee of the xxxxxx to enter and execute on behalf of the company (outlining the specifics of the subject loan). - Seller-03/25/2025 | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 37.27 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 769 | Qualifying FICO score is at least 20 points above minimum for program<br> 4+ years in primary residence | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 832250 | xxxxxx C B A | Closed | xxxxxx | 2025-03-25 14:44 | 2025-04-09 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-rental income from the ADU was not being used. DSCR is over 1.0 and the LTV min is now 75% - Due Diligence Vendor-04/09/2025 <br> Counter-1007 reflects market opinion of rents of $7,700 leased at $6,000. Finding remains. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Please note that the Appraisal contains a 1007 for the main house, showing currently rented for $6,000.00/mth, and a 1007 for the ADU, showing currently rented for $3,200.00. Since guidelines allow for the higher of current/market rents to be used, the $9,200 combined rents for the Main House and the ADU were used to qualify. We further note that the $9,200 used to qualify is 19.5% greater than the Market Rents and would be allowed per guidelines. - Seller-04/07/2025 <br> Counter-Audit reveals DSCR as 0.884. 120% of the Lease amount to qualify. Used $6000 + 20%= $7200. Audited LTV of 75% exceeds Guideline LTV of 70% DSCR < 1 Finding remains. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-We respectfully disagree. The Gross Rent is $9,200.00. The subject's PITIA is $8,145.03. As a result, the DSCR ratio is 1.13. The maximum LTV allowed is 75%. - Seller-03/25/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% DSCR < 1 - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Please note that the Appraisal contains a 1007 for the main house, showing currently rented for $6,000.00/mth, and a 1007 for the ADU, showing currently rented for $3,200.00. Since guidelines allow for the higher of current/market rents to be used, the $9,200 combined rents for the Main House and the ADU were used to qualify. We further note that the $9,200 used to qualify is 19.5% greater than the Market Rents and would be allowed per guidelines. - Seller-04/07/2025 <br> Ready for Review-We respectfully disagree. The Gross Rent is $9,200.00. The subject's PITIA is $8,145.03. As a result, the DSCR ratio is 1.13. The maximum LTV allowed is 75%. - Seller-03/25/2025 | Resolved-rental income from the ADU was not being used. DSCR is over 1.0 and the LTV min is now 75% - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 37.27 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 769 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832254 | xxxxxx B A | Closed | xxxxxx | 2025-06-09 12:20 | 2025-06-09 12:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted and in file, waiver applied with comp factors and valuation that is within 120 days of Note. EXCEPTION REQUEST: to proceed with the appraisal dated over 60 days from transfer to xxxxxx. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors and valuation that is within 120 days of Note. EXCEPTION REQUEST: to proceed with the appraisal dated over 60 days from transfer to xxxxxx. - Due Diligence Vendor-06/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 742<br>Months Reserves exceed minimum required - Min reserve req is 3, borrower has 6.73 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 832255 | xxxxxx D A | Closed | xxxxxx | 2025-03-04 09:46 | 2025-03-07 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/05/2025 <br> Open-Missing Flood Certificate Flood Certificate not in uploaded documents - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/05/2025<br>| Resolved-Received flood cert. - Due Diligence Vendor-03/07/2025<br>| Months Reserves exceed minimum required - 0 months reserves required, borrower has 71.03 months<br>LTV is less than guideline maximum - Maximum LTV is 70%, loan is 60% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832264 | xxxxxx C B A | Closed | xxxxxx | 2025-03-25 12:39 | 2025-05-09 16:16 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Received confirmation from the insurance company that there were no claims file during the gap. Finding will be a Grade B due to post close documentation. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Please see attached letter confirming there were no claims filed on this policy between xxxxxx and xxxxxx - Seller-05/07/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide proof that there was Hazard Insurance in effect as of the Note Date of xxxxxx. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Please see attached letter confirming there were no claims filed on this policy between xxxxxx and xxxxxx - Seller-05/07/2025 | Waived-Received confirmation from the insurance company that there were no claims file during the gap. Finding will be a Grade B due to post close documentation. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 738<br>Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 5.11 months reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 832266 | xxxxxx C A | Closed | xxxxxx | 2025-03-28 09:06 | 2025-04-10 16:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title provided with correct loan amount. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/10/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Policy is for $180,000 no other document found with the higher loan amount of xxxxxx - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/10/2025<br>| Resolved-Updated title provided with correct loan amount. - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - Min 6 months, actual 26.61 months<br>Verified employment history exceeds guidelines - Min 2 years, actual 3.7 years<br>LTV is less than guideline maximum - Max 70%, actual 69.09%<br>Qualifying DTI below maximum allowed - Max 50%, actual 49.91% |  | 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 |
| 832275 | xxxxxx C A | Closed | xxxxxx | 2025-03-28 08:33 | 2025-04-10 16:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received updated UDM - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit within 10 days of the note date is required - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/08/2025<br>| Resolved-Received updated UDM - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 800 FICO, 700 required<br>Months Reserves exceed minimum required - 17 months reserves documented, 3 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 |
| 832275 | xxxxxx C A | Closed | xxxxxx | 2025-03-24 21:21 | 2025-04-09 12:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/08/2025 <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-03/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/08/2025<br>| Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-04/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 800 FICO, 700 required<br>Months Reserves exceed minimum required - 17 months reserves documented, 3 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 |
| 832276 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832291 | xxxxxx C A | Closed | xxxxxx | 2025-03-10 11:24 | 2025-03-31 12:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Upon further review. loan did not disburse until xxxxxx. - Due Diligence Vendor-03/31/2025 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx HOI declaration page has policy period ending xxxxxx - Due Diligence Vendor-03/10/2025 |  | Resolved-Upon further review. loan did not disburse until xxxxxx. - Due Diligence Vendor-03/31/2025 | Qualifying DTI below maximum allowed - DTI of 24.06% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 38 months | 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - 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 | N/A | N/A | xxxxxx |
| 832297 | xxxxxx C A | Closed | xxxxxx | 2025-04-01 10:21 | 2025-04-28 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Appraiser confirms all common areas are complete. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-The condo questionnaire shows total # of units complete - please see section 3 xxxxxx - Buyer-04/23/2025 <br> Counter-Received revised Condo Questionnaire and confirmation of turn over date. Missing confirmation All common elements in the project or legal phase 100% complete - Due Diligence Vendor-04/18/2025 <br> Counter-Email provided stating the date of the turnover, please provide the updated Questionnaire. - Due Diligence Vendor-04/14/2025 <br> Counter-Builder is in control of the HOA and there was not a date disclosed when the developer will be turning over the control to the HOA. - Due Diligence Vendor-04/04/2025 <br> Open-Builder is in control of HOA 50% must be sold and conveyed to the owner's. Builder is still in control - Due Diligence Vendor-04/01/2025 |  | Resolved-Appraiser confirms all common areas are complete. - Due Diligence Vendor-04/28/2025<br>| LTV is less than guideline maximum - LTV is 62% with max allowable to 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 vs program min allowed of 660 |  | 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 |
| 832297 | xxxxxx C A | Closed | xxxxxx | 2025-04-01 15:07 | 2025-04-04 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Upon further review, over 50% have been sold and conveyed. - Due Diligence Vendor-04/04/2025 <br> Open-Per guides the 50% of the units have to be sold and conveyed to the owner's. Builder is still in control. - Due Diligence Vendor-04/01/2025 |  | Resolved-Upon further review, over 50% have been sold and conveyed. - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - LTV is 62% with max allowable to 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 vs program min allowed of 660 |  | 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 |
| 832297 | xxxxxx C A | Closed | xxxxxx | 2025-04-01 15:43 | 2025-04-04 12:18 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD - Due Diligence Vendor-04/04/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-197'. Assets are Insufficient. Borrower is short $197 cash to close - Cash to close per CD $210197 - Gift of $210,.000 - Due Diligence Vendor-04/01/2025 |  | Resolved-Received PCCD - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - LTV is 62% with max allowable to 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 760 vs program min allowed of 660 |  | 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 |
| 832321 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 16:07 | 2025-05-13 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation. - Due Diligence Vendor-05/13/2025 <br> Counter-Unable to determine HOA and mtg statements associated with xxxxxx on 1003 unit xxxxxx. Finding remains. - Due Diligence Vendor-05/07/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property xxxxxx on 1003 - Due Diligence Vendor-04/28/2025 |  | Resolved-Received PITIA validation. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 21 months reserves exceed 6 month requirement <br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832321 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 16:08 | 2025-05-07 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved--Cert in file reflects business use. - Due Diligence Vendor-05/07/2025 <br> Open-Missing letter of explanation for cash out - Due Diligence Vendor-04/25/2025 |  | Resolved--Cert in file reflects business use. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - 21 months reserves exceed 6 month requirement <br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832321 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 16:11 | 2025-05-07 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Upon further review, the loan file contained all required rental income for subject property documentation. - Due Diligence Vendor-05/07/2025 <br> Open-Missing rent comparable schedule for short term rental for subject property - Due Diligence Vendor-04/25/2025 |  | Resolved-Upon further review, the loan file contained all required rental income for subject property documentation. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - 21 months reserves exceed 6 month requirement <br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO score is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832323 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 17:29 | 2025-05-22 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, Business Purpose Certification is in the loan file and guidelines do not require a cash out letter. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Please review, guides do not require a cash out letter and not part of the scope. unless you identified paying off personal debts on the HUD or CD or if there is a letter in the file identifying the borrowers intent to use for personal use, then I understand. But if we do not have anything identifying personal use, this should not be cited and should be satisfied or rescinded. xxxxxx. - Buyer-05/20/2025 <br> Open-Client Comments - Can you please clarify further as to why this might be required/necessary? Any further details may be helpful when available. - AUDIT RESONSE - Guidelines require a cash out letter to confirm business purpose. If not business purpose loan will be subject to compliance testing. - Due Diligence Vendor-05/19/2025 <br> Open-Missing letter of explanation for cash out<br> - Due Diligence Vendor-04/25/2025 |  | Resolved-Upon further review, Business Purpose Certification is in the loan file and guidelines do not require a cash out letter. - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - 25 months reserves exceeds 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832323 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 13:32 | 2025-05-19 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for xxxxxx Unit xxxxxx. - Due Diligence Vendor-05/19/2025 <br> Counter-Unable to confirm PITI from documentation received-mtg statement does not reflect unit xxxxxx. Original finding remains. - Due Diligence Vendor-05/07/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property xxxxxx on 1003 - Due Diligence Vendor-04/28/2025 |  | Resolved-Received PITIA for xxxxxx Unit xxxxxx. - Due Diligence Vendor-05/19/2025 | Months Reserves exceed minimum required - 25 months reserves exceeds 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832323 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 16:54 | 2025-05-07 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Upon further review, the loan file contained all required property documentation. - Due Diligence Vendor-05/07/2025 <br> Open-Missing rent comparable schedule STR schedule/STR narrative - Due Diligence Vendor-04/25/2025 |  | Resolved-Upon further review, the loan file contained all required property documentation. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - 25 months reserves exceeds 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO is 20+ points above 660 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832327 | xxxxxx C B A | Closed | xxxxxx | 2025-04-11 15:53 | 2025-04-11 16:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to only being xxxxxx sq ft below required. Appraisal comparables were of similar size and support value. - Due Diligence Vendor-06/09/2025 <br> Open-Sq footage of xxxxxx less than minimum of 500 required - Due Diligence Vendor-04/11/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to only being xxxxxx sq ft below required. Appraisal comparables were of similar size and support value. - Due Diligence Vendor-06/09/2025 | Months Reserves exceed minimum required - 111.77mos reserves. Per guides, 2 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 754. Per guides, minimum score required 700. | Credit Score 30+ points > minimum required<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 |
| 832341 | xxxxxx C A | Closed | xxxxxx | 2025-04-23 16:27 | 2025-04-24 17:40 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved--Asset documentation is sufficiently verified; finding resolved. - Due Diligence Vendor-04/24/2025 <br> Open-\*New\* Total Qualified Assets Post-Close amount is '$-13254.34'. Assets are Insufficient. - Due Diligence Vendor-04/23/2025 |  | Resolved--Asset documentation is sufficiently verified; finding resolved. - Due Diligence Vendor-04/24/2025<br>| Qualifying DTI below maximum allowed - 14.65% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 32.03% LTV is less than 805 maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832341 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 14:07 | 2025-04-24 17:39 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved--Asset documentation is sufficiently verified; finding resolved. - Due Diligence Vendor-04/24/2025 <br> Counter-Documentation provided does not disclose the date. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Asset 6 Does Not Meet Guideline Requirements Missing most recent one (1) month bank statement or VOD required per guidelines for asset account ending 0009. File includes undated balance summary only (PDF 122) for account noted as a 6 month CD. Audit included the balance from this summary. Additional findings may apply. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved--Asset documentation is sufficiently verified; finding resolved. - Due Diligence Vendor-04/24/2025<br>| Qualifying DTI below maximum allowed - 14.65% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 32.03% LTV is less than 805 maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832341 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 14:07 | 2025-04-23 16:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received 1 month bank statement. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing most recent one (1) month bank statement or VOD required per guidelines for asset account ending 6954. File included a transaction history covering xxxxxx (PDF 125) that did not identify account holder. Audit included the balance per the transaction history and included the $302,763.29 cashier's check from liquidated CD that was noted to have been deposited to this account. Audit also gave credit for earnest money deposit from this transaction history. Additional findings may apply. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Received 1 month bank statement. - Due Diligence Vendor-04/23/2025<br>| Qualifying DTI below maximum allowed - 14.65% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 32.03% LTV is less than 805 maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832341 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 14:07 | 2025-04-23 16:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Screen Shot provided. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. The account was renewed xxxxxx at rate 4.20% and new maturity date is xxxxxx the initial next to it is the bankers initial they do not give a new certificate the initial is the acknowledgement of the renewal. Screenshot of CD accounts were as proof they were renewed and in good standing. - Seller-04/21/2025 <br> Open-Asset 3 Expired Missing most recent one (1) month bank statement or VOD required per guidelines for asset account ending 0013. CD provided that matured xxxxxx with a handwritten note that CD was renewed through xxxxxx. Audit included the balance noted on an undated balance summary (PDF 122). Additional findings may apply. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. The account was renewed xxxxxx at rate 4.20% and new maturity date is xxxxxx the initial next to it is the bankers initial they do not give a new certificate the initial is the acknowledgement of the renewal. Screenshot of CD accounts were as proof they were renewed and in good standing. - Seller-04/21/2025 | Resolved-Screen Shot provided. - Due Diligence Vendor-04/23/2025<br>| Qualifying DTI below maximum allowed - 14.65% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 32.03% LTV is less than 805 maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832341 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 14:07 | 2025-04-23 16:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Expired | Resolved-Received liquidation - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. The account was closed and liquidated to account xxxxxx - Seller-04/21/2025 <br> Open-Asset 4 Expired Missing most recent one (1) month bank statement or VOD required per guidelines for asset account ending 0244. CD provided that matured xxxxxx with a handwritten note that CD was renewed through xxxxxx. Audit included the balance noted on an undated balance summary (PDF 120). Additional findings may apply. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. The account was closed and liquidated to account xxxxxx - Seller-04/21/2025 | Resolved-Received liquidation - Due Diligence Vendor-04/23/2025<br>| Qualifying DTI below maximum allowed - 14.65% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 32.03% LTV is less than 805 maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832341 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 14:07 | 2025-04-23 16:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Expired | Resolved-Received liquidation. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. CD account ending 0422 was closed and withdrawn 03.26.25 to account ending in 6594. - Seller-04/21/2025 <br> Open-Asset 5 Expired Missing most recent one (1) month bank statement or VOD required per guidelines for asset account ending 0422. CD provided that matures xxxxxx. Audit included the balance noted on an undated balance summary (PDF 120). Additional findings may apply. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. CD account ending 0422 was closed and withdrawn 03.26.25 to account ending in 6594. - Seller-04/21/2025<br>| Resolved-Received liquidation. - Due Diligence Vendor-04/23/2025<br>| Qualifying DTI below maximum allowed - 14.65% DTI is less than 50% maximum.<br>LTV is less than guideline maximum - 32.03% LTV is less than 805 maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 832357 | xxxxxx C A | Closed | xxxxxx | 2025-04-15 12:44 | 2025-05-01 11:52 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-05/01/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received credit inquiry letter. - Due Diligence Vendor-05/01/2025<br>| CLTV is less than guidelines maximum - 78.92% CLTV is less than 90% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 753 FICO score is 20+ points above 700 minimum |  | 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 |
| 832357 | xxxxxx C A | Closed | xxxxxx | 2025-04-21 09:17 | 2025-04-29 08:13 | Resolved | 1 - Information A | Credit | Closing | Issues exist on the Note Document | Rescinded-system generated. Note is correct. - Due Diligence Vendor-04/21/2025 <br> Open-There are Issues Present on the Note that must be addressed. - Due Diligence Vendor-04/21/2025 |  | Rescinded-system generated. Note is correct. - Due Diligence Vendor-04/21/2025<br>| CLTV is less than guidelines maximum - 78.92% CLTV is less than 90% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 753 FICO score is 20+ points above 700 minimum |  | 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 |
| 832357 | xxxxxx C A | Closed | xxxxxx | 2025-04-14 18:35 | 2025-04-21 13:07 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-xxxxxx does not calculate simple interest - Due Diligence Vendor-04/21/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) Loan is Simple Interest, payment on Note does not reflect correct payment. - Due Diligence Vendor-04/14/2025 |  | Resolved-xxxxxx does not calculate simple interest - Due Diligence Vendor-04/21/2025 | CLTV is less than guidelines maximum - 78.92% CLTV is less than 90% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 753 FICO score is 20+ points above 700 minimum |  | 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 |
| 832383 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-10 14:53 | 2025-05-15 13:01 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Breakdown of deposits provided. Deposits are from the business account and the balance of that account is provided as of 3/31/25. - Due Diligence Vendor-05/15/2025 <br> Counter-Received duplicate documentation-finding remains. - Due Diligence Vendor-04/17/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Lender did not document the large increase in balances of Fidelity accounts. Per VOD dated 3.24.25 versus the large increase from the banks VOD on letter total of the two accounts. lender to provide evidence of the difference. - Due Diligence Vendor-04/10/2025 |  | Resolved-Breakdown of deposits provided. Deposits are from the business account and the balance of that account is provided as of 3/31/25. - Due Diligence Vendor-05/15/2025<br>| Long term residence - Borrower was in departing primary >5 years<br>Months Reserves exceed minimum required - 3 months reserves required / Borrower reserves 10.47 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 707 |  | 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 |
| 832383 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-10 11:56 | 2025-04-18 12:09 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received 1st full appraisal. - Due Diligence Vendor-04/18/2025 <br> Open-Additional valuation product has not been provided. - Due Diligence Vendor-04/10/2025 |  | Resolved-Received 1st full appraisal. - Due Diligence Vendor-04/18/2025<br>| Long term residence - Borrower was in departing primary >5 years<br>Months Reserves exceed minimum required - 3 months reserves required / Borrower reserves 10.47 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 707 |  | 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 |
| 832383 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-10 13:08 | 2025-04-10 14:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed Non-Material as all comps are within xxxxxx of the subject - Due Diligence Vendor-04/10/2025 <br> Open-Audited LTV of 90% exceeds Guideline LTV of 80%. Rural property allowed to 80% LTV. The loan file contains an exception. - Due Diligence Vendor-04/10/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed Non-Material as all comps are within xxxxxx of the subject - Due Diligence Vendor-04/10/2025 | Long term residence - Borrower was in departing primary >5 years<br> Months Reserves exceed minimum required - 3 months reserves required / Borrower reserves 10.47 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 707 | Credit Score 20 points > minimum required<br> Reserves exceed requirement by 6 months or more<br> Current primary home ownership > 2 years | 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 |
| 832385 | xxxxxx D A C | Closed | xxxxxx | 2025-04-02 07:56 | 2025-06-05 18:56 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received post closing final inspection confirming xxxxxx complete. - Due Diligence Vendor-06/05/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing 1004D. Appraisal "Subject To". - Due Diligence Vendor-04/02/2025 |  | Resolved-Received post closing final inspection confirming xxxxxx complete. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 764; guidelines require 700. <br> Long term residence - Living in primary home for 17 Years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832385 | xxxxxx D A C | Closed | xxxxxx | 2025-04-02 13:47 | 2025-05-23 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan has escrow holdback. No proof it was released provided in file | Resolved-Proof escrow holdback completed and released provided. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Manual upload to xxxxxx. - Buyer-05/23/2025 <br> Counter-Received 1004d but not documentation confirming escrow holdback completed and released. - Due Diligence Vendor-05/12/2025 <br> Counter-Settlement Statement provided, however there is a $12,000.00 Escrow Hold back which is not allowed per the guidelines. - Due Diligence Vendor-04/11/2025 <br> Open-Per settlement statement there was an escrow holdback. Per guidelines escrow holdbacks are not allowed. Any repair or maintenance required by the appraiser must be completed prior to loan purchase. - Due Diligence Vendor-04/02/2025 |  | Resolved-Proof escrow holdback completed and released provided. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 764; guidelines require 700. <br>Long term residence - Living in primary home for 17 Years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832385 | xxxxxx D A C | Closed | xxxxxx | 2025-04-02 13:41 | 2025-04-18 12:26 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Final HUD-1 - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Updated settlement statement attached. - Buyer-04/16/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Lender to provide updated settlement reflecting correct cash to close and EMD of $10,000 provided to title via wire prior to closing. - Due Diligence Vendor-04/02/2025 |  | Resolved-Received Final HUD-1 - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 764; guidelines require 700. <br>Long term residence - Living in primary home for 17 Years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832404 | 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 |  |  |  |
| 832463 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832467 | xxxxxx B A | Closed | xxxxxx | 2025-04-21 14:01 | 2025-04-21 14:01 | 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-04/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/21/2025<br>| Months Reserves exceed minimum required - 8.62 mos reserves; 0 required<br> LTV is less than guideline maximum - LTV of 79.05% is below the maximum of 85% allowed per guidelines<br> Qualifying DTI below maximum allowed - DTI of 23.33% is less than the maximum allowed per guidelines of 50% |  | 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 |
| 832477 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 15:04 | 2025-04-07 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received the Business Purpose Affidavit. - Due Diligence Vendor-04/07/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit or Occupancy Affidavit. - Due Diligence Vendor-04/01/2025 |  | Resolved-Received the Business Purpose Affidavit. - Due Diligence Vendor-04/07/2025<br>| LTV is less than guideline maximum - LTV is 54.08% and max allowed is 80%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 806 and minimum allowed is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832477 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 14:59 | 2025-04-07 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Preliminary Report w/sufficient coverage. - Due Diligence Vendor-04/07/2025 <br> Open-Title Document is missing Missing copy of the Title Commitment. - Due Diligence Vendor-04/01/2025 |  | Resolved-Received Preliminary Report w/sufficient coverage. - Due Diligence Vendor-04/07/2025<br>| LTV is less than guideline maximum - LTV is 54.08% and max allowed is 80%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 806 and minimum allowed is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832537 | xxxxxx C A | Closed | xxxxxx | 2025-04-01 23:23 | 2025-04-07 10:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received closing instructions w/sufficient coverage. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/04/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title commitment coverage is less than subject loan amount. - Due Diligence Vendor-04/02/2025 |  | Resolved-Received closing instructions w/sufficient coverage. - Due Diligence Vendor-04/07/2025<br>| DSCR % greater than 1.20 - DSCR = 1.278<br> Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 777. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832622 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-05 11:19 | 2025-05-27 10:10 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client provided a waiver Condo Replacement Cost at 80%, applied to non material finding with comp factors. HOA has excess reserves to cover shortage. - Due Diligence Vendor-06/09/2025 <br> Open-Condo Master Insurance Policy Partially Provided Master property only shows 80% replacement cost-100% replacement cost required. \*Exception in file approved at 70% however audit LTV is 75%. Finding remains open and material. - Due Diligence Vendor-05/05/2025 |  | Waived-Client provided a waiver Condo Replacement Cost at 80%, applied to non material finding with comp factors. HOA has excess reserves to cover shortage. - Due Diligence Vendor-06/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 683 ; guidelines require 660<br> Months Reserves exceed minimum required - • Qualifying Assets calculated at 23 Months of reserves; 6 months reserves required | 1 - Reserves exceed requirement by 10 months or more<br> 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 |
| 832622 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-01 10:24 | 2025-05-15 16:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-05/15/2025 <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 ($336.00). 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 $336 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $336, 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-05/01/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-05/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 683 ; guidelines require 660<br> Months Reserves exceed minimum required - • Qualifying Assets calculated at 23 Months of 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832622 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-05 10:29 | 2025-05-12 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-05/12/2025 <br> Open-Missing Third Party Fraud Report Fraud report not provided. - Due Diligence Vendor-05/05/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-05/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 683 ; guidelines require 660<br> Months Reserves exceed minimum required - • Qualifying Assets calculated at 23 Months of 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832622 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-05 10:29 | 2025-05-12 11:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-05/12/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/05/2025 |  | Resolved-Received UDM - Due Diligence Vendor-05/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 683 ; guidelines require 660<br> Months Reserves exceed minimum required - • Qualifying Assets calculated at 23 Months of 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832645 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 832647 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 16:53 | 2025-04-09 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received commitment. - Due Diligence Vendor-04/09/2025 <br> Open-Title Document is missing MISSING TITLE DOCUMENT - Due Diligence Vendor-04/04/2025 |  | Resolved-Received commitment. - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - 15.28mos reserves. Per guides, 2 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 724. Per guides, minimum score required 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832673 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832681 | xxxxxx D A C | Closed | xxxxxx | 2025-04-08 10:08 | 2025-04-10 09:37 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report - Due Diligence Vendor-04/10/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 13 days - Due Diligence Vendor-04/08/2025 |  | Resolved-Received Gap Report - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 47.54 months<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 817 |  | 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 |
| 832681 | xxxxxx D A C | Closed | xxxxxx | 2025-04-08 16:18 | 2025-04-10 09:35 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review - Due Diligence Vendor-04/10/2025 <br> Open-CU score 3.4 additional secondary valuation required. - Due Diligence Vendor-04/08/2025 |  | Resolved-Received Desk Review - Due Diligence Vendor-04/10/2025 | Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 47.54 months<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 817 |  | 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 |
| 832683 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832689 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 11:21 | 2025-04-11 16:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender does not have a affiliates. - Due Diligence Vendor-04/11/2025 <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-04/07/2025 |  | Resolved-Received attestation that lender does not have any affiliates. - Due Diligence Vendor-04/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - 734 FICO score is 20+ points above 680 minimum<br>Months Reserves exceed minimum required - 11 months reserves exceed 0 month minimum |  | 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 |
| 832713 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 09:23 | 2025-04-15 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI reflecting annual premium - Due Diligence Vendor-04/15/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Hazard Insurance Policy is missing yearly premium amount - Due Diligence Vendor-04/08/2025 |  | Resolved-Received HOI reflecting annual premium - Due Diligence Vendor-04/15/2025<br>| CLTV is less than guidelines maximum - 61.12%<90%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO is 20+ points above 680 minimum |  | 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 |
| 832713 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 15:31 | 2025-04-10 09:51 | Resolved | 1 - Information C A | Credit | Eligibility | Original CLTV does not meet eligibility requirement(s) | Resolved-Upon further review, CLTV documentation is acceptable. - Due Diligence Vendor-04/10/2025 <br> Open-61.12% < 90% - Due Diligence Vendor-04/08/2025 |  | Resolved-Upon further review, CLTV documentation is acceptable. - Due Diligence Vendor-04/10/2025 | CLTV is less than guidelines maximum - 61.12%<90%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO is 20+ points above 680 minimum |  | 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 |
| 832713 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 11:41 | 2025-04-07 12:20 | 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-04/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material findings. - Due Diligence Vendor-04/07/2025<br>| CLTV is less than guidelines maximum - 61.12%<90%<br>Qualifying FICO score is at least 20 points above minimum for program - 785 FICO is 20+ points above 680 minimum |  | 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 |
| 832718 | xxxxxx C A | Closed | xxxxxx | 2025-04-02 15:12 | 2025-04-21 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-xxxxxx meets new project requirements. Builder date of turnover is xxxxxx, with 2 years. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Counter-Email Chain provided. Please provide documentation to support the transfer date. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open--Developer is in control of HOA - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-xxxxxx meets new project requirements. Builder date of turnover is xxxxxx, with 2 years. - Due Diligence Vendor-04/21/2025 | LTV is less than guideline maximum - LTV 59.19% max 65%.<br>Months Reserves exceed minimum required - 37.14 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832718 | xxxxxx C A | Closed | xxxxxx | 2025-04-02 15:36 | 2025-04-15 16:13 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A. Legal - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-04/15/2025<br>| LTV is less than guideline maximum - LTV 59.19% max 65%.<br>Months Reserves exceed minimum required - 37.14 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832722 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-15 09:43 | 2025-04-28 08:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Received MTG/DOT with condo rider, re-recorded - Due Diligence Vendor-04/28/2025 <br> Open-Condo Rider is Missing Condo rider mising from mortgage - Due Diligence Vendor-04/15/2025 |  | Resolved-Received MTG/DOT with condo rider, re-recorded - Due Diligence Vendor-04/28/2025 | Qualifying DTI below maximum allowed - 46.42% vs. max of 50%<br> Qualifying FICO score is at least 20 points above minimum for program - 782 vs. 680 @ 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 |
| 832722 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-15 10:41 | 2025-04-17 18:24 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-The file contains the January and February statements. - Due Diligence Vendor-04/17/2025 <br> Open-Asset 3 Less Than 2 Months Verified Only received 30 days history missing full 60 days - Due Diligence Vendor-04/15/2025 |  | Resolved-The file contains the January and February statements. - Due Diligence Vendor-04/17/2025 | Qualifying DTI below maximum allowed - 46.42% vs. max of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 782 vs. 680 @ 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 |
| 832722 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-10 15:05 | 2025-04-10 15:51 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2025 | Qualifying DTI below maximum allowed - 46.42% vs. max of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 782 vs. 680 @ 90% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 832750 | xxxxxx D B A | Closed | xxxxxx | 2025-04-14 15:46 | 2025-05-28 09:40 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Waived-Client exception granted for non material finding with compensating factors to allow for missing flood insurance and providing only a flood application. The application in file has an effective date as well as 250k in coverage and Lender provided signature rom Agent . The settlement statement in file shows he premium being paid - Due Diligence Vendor-05/28/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Reserves exceed requirement by 6 months or more / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines - Buyer-05/27/2025 <br> Counter-Documentation received is insufficient-original finding remains. Please provide Flood Insurance Policy. - Due Diligence Vendor-05/23/2025 <br> Open-Flood Insurance Policy Partially Provided Missing actual Flood Insurance Policy. Document provided is a copy of the unexecuted flood application. - Due Diligence Vendor-04/14/2025 |  | Waived-Client exception granted for non material finding with compensating factors to allow for missing flood insurance and providing only a flood application. The application in file has an effective date as well as xxxxxx in coverage and Lender provided signature rom Agent . The settlement statement in file shows he premium being paid - Due Diligence Vendor-05/28/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 7.62%; max 43%<br>Months Reserves exceed minimum required - Qualifying reserves 20 months; minimum required 12 months | Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 6 months or more <br> Compensating Factor 3 - 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 |
| 832750 | xxxxxx D B A | Closed | xxxxxx | 2025-04-14 16:00 | 2025-05-06 12:12 | Waived | 2 - Non-Material C B | Credit | Debt | Missing proof of liability not disclosed on credit report | Waived-Client exception granted and in file, waiver applied with comp factors. Per client added the debt to the DTI. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 6 months or more - Seller-05/06/2025 <br> Counter-Documentation received is insufficient: Finding remains: Credit Report shows an active rental agreement from xxxxxx. Missing documentation supporting what this is associated to and if the lease has been terminated. Per details on credit vs VOR the rental agreement reporting on credit is NOT the same as the borrower's current residence. Additional findings may apply. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/25/2025 <br> Counter-Documentation for xxxxxx provided, however the xxxxxx on the credit report does not match the terms of the lease. Please provide documentation to support the exclusion of this liability. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/17/2025 <br> Open-Credit Report shows an active rental agreement from xxxxxx. Missing documentation supporting what this is associated to and if the lease has been terminated. Per details on credit vs VOR the rental agreement reporting on credit is NOT the same as the borrower's current residence. Additional findings may apply. - Due Diligence Vendor-04/14/2025 | Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 6 months or more - Seller-05/06/2025 | Waived-Client exception granted and in file, waiver applied with comp factors. Per client added the debt to the DTI. - Due Diligence Vendor-06/05/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 7.62%; max 43%<br> Months Reserves exceed minimum required - Qualifying reserves 20 months; minimum required 12 months | Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - 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 | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 832750 | xxxxxx D B A | Closed | xxxxxx | 2025-04-14 09:40 | 2025-04-24 15:07 | 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-04/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 7.62%; max 43%<br> Months Reserves exceed minimum required - Qualifying reserves 20 months; minimum 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 | Investor Post-Close | No | xxxxxx |
| 832750 | xxxxxx D B A | Closed | xxxxxx | 2025-04-14 16:07 | 2025-04-17 12:05 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/15/2025 <br> Open-LOX for credit inquiries is missing. Missing letter of explanation for credit inquiries on the credit report and UDM. Additional findings may apply. - Due Diligence Vendor-04/14/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-04/17/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 7.62%; max 43%<br> Months Reserves exceed minimum required - Qualifying reserves 20 months; minimum 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 |
| 832754 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 09:46 | 2025-05-06 12:02 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Final CD. - Due Diligence Vendor-05/06/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Compliance not run as no final CD provided. - Due Diligence Vendor-04/29/2025 |  | Resolved-Received Final CD. - Due Diligence Vendor-05/06/2025 | Months Reserves exceed minimum required - Guide 6 months, actual 62<br> Qualifying DTI below maximum allowed - Guide 50%, actual 13.26% |  | 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 |
| 832754 | xxxxxx C A | Closed | xxxxxx | 2025-05-01 16:13 | 2025-05-06 10:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD xxxxxx and COC xxxxxx. Finding resolved. - Due Diligence Vendor-05/06/2025 <br> Open-\*NEW\* 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 $1,559.60.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 $1,559.60 (Loan Amount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,559.60, 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-05/01/2025 |  | Resolved-Received CD xxxxxx and COC xxxxxx. Finding resolved. - Due Diligence Vendor-05/06/2025 | Months Reserves exceed minimum required - Guide 6 months, actual 62<br> Qualifying DTI below maximum allowed - Guide 50%, actual 13.26% |  | 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 |
| 832754 | xxxxxx C A | Closed | xxxxxx | 2025-04-25 12:49 | 2025-05-01 16:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx and disclosure tacking confirming same day delivery. - Due Diligence Vendor-05/01/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-04/25/2025 |  | Resolved-Received CD xxxxxx and disclosure tacking confirming same day delivery. - Due Diligence Vendor-05/01/2025 | Months Reserves exceed minimum required - Guide 6 months, actual 62<br> Qualifying DTI below maximum allowed - Guide 50%, actual 13.26% |  | 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 |
| 832775 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 12:32 | 2025-06-06 10:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/06/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Appraisal indicate the property is xxxxxx in a declining market Per guideline Rural: Not Eligible. - Due Diligence Vendor-06/06/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 98.98mos reserves. Per guides, 2 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 748. Per guides, minimum score required 660. | 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 |
| 832775 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 13:37 | 2025-04-08 11:16 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received revised commitment with both liens omitted. - Due Diligence Vendor-04/08/2025 <br> Open-Property Title Issue SUBJECT PROPERTY PART OF 1031 EXCHANGE. TITLE LIST 2 MORTGAGE LIENS ATTACHED TO PROPERTY. MISSING EVIDENCE BOTH LIENS FROM xxxxxx AND xxxxxx. WERE SATISFIED/CLOSED. - Due Diligence Vendor-04/03/2025 |  | Resolved-Received revised commitment with both liens omitted. - Due Diligence Vendor-04/08/2025 | Months Reserves exceed minimum required - 98.98mos reserves. Per guides, 2 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 748. Per guides, minimum score required 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832775 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 14:20 | 2025-04-08 11:13 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/08/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description is not attached to the Mortgage. - Due Diligence Vendor-04/01/2025 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/08/2025 | Months Reserves exceed minimum required - 98.98mos reserves. Per guides, 2 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 748. Per guides, minimum score required 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832789 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 832791 | xxxxxx D A C | Closed | xxxxxx | 2025-04-30 11:09 | 2025-05-12 09:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd LE issued xxxxxx & COC. Finding Resolved. - Due Diligence Vendor-05/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $140.00.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 $140 (Compliance Inspection Review) 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 $140, 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-04/30/2025 |  | Resolved-Rec'd LE issued xxxxxx & COC. Finding Resolved. - Due Diligence Vendor-05/12/2025 | LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br> Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of 10 years.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 781 and minimum allowed 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 |
| 832791 | xxxxxx D A C | Closed | xxxxxx | 2025-05-01 14:19 | 2025-05-12 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-This property is a xxxxxx, no HOA. - Due Diligence Vendor-05/12/2025 <br> Counter-Received Mortgage Statement. Please provide HOA verification. - Due Diligence Vendor-05/07/2025 <br> Open-Missing verification of HOA fees for non-subject property for xxxxxx. - Due Diligence Vendor-05/01/2025 |  | Resolved-This property is a multi family, no HOA. - Due Diligence Vendor-05/12/2025 | LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br> Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of 10 years.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 781 and minimum allowed 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 |
| 832791 | xxxxxx D A C | Closed | xxxxxx | 2025-05-01 13:01 | 2025-05-09 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, this property is not located in a xxxxxx zone that requires the xxxxxx to be xxxxxx. - Due Diligence Vendor-05/09/2025 <br> Open-In xxxxxx, xxxxxx. Provide appraisal pics of the xxxxxx. - Due Diligence Vendor-05/01/2025 |  | Resolved-Upon further review, this property is not located in a xxxxxx zone that requires the xxxxxx to be xxxxxx. - Due Diligence Vendor-05/09/2025 | LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of 10 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 781 and minimum allowed 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 |
| 832791 | xxxxxx D A C | Closed | xxxxxx | 2025-05-01 12:58 | 2025-05-07 15:46 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Addendum with correct seller concession provided. - Due Diligence Vendor-05/07/2025 <br> Counter-Addendum with a Sales price of xxxxxx provided, however it reflects the Seller Contributions as xxxxxx and the seller contributed xxxxxx. Please provide the addendum changing the contribution amount. - Due Diligence Vendor-05/07/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. MIssing copy of the Purchase Contract Addendum reflecting correct purchase price of xxxxxx and seller paid costs in the amount of xxxxxx. - Due Diligence Vendor-05/01/2025 |  | Resolved-Addendum with correct seller concession provided. - Due Diligence Vendor-05/07/2025 | LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of 10 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 781 and minimum allowed 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 |
| 832791 | xxxxxx D A C | Closed | xxxxxx | 2025-04-30 12:12 | 2025-05-01 15:22 | Resolved | 1 - Information B A | Compliance | State Reg | Subprime Loan Test | Resolved-Loan is subprime compliant - Due Diligence Vendor-05/05/2025 <br> Open-Compliant Subprime-APR is within allowable threshold of APOR Compliant Subprime- APR on subject loan of 7.994% is within allowable threshold of APOR of 6.73% + 1.75% or 8.48 - Due Diligence Vendor-04/30/2025 |  | Resolved-Loan is NY subprime compliant - Due Diligence Vendor-05/05/2025 | LTV is less than guideline maximum - LTV is 75% and max allowed is 80%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of 10 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 781 and minimum allowed 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 |
| 832836 | xxxxxx B A | Closed | xxxxxx | 2025-04-14 07:31 | 2025-04-14 07:39 | 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-04/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2025 | On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 47 months<br>Qualifying DTI below maximum allowed - DTI of 44.87% is less than the maximum allowed per guidelines of 50% |  | 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 |
| 832859 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 832861 | 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 |  |  |  |
| 832944 | xxxxxx B A | Closed | xxxxxx | 2025-03-25 12:29 | 2025-03-25 12:29 | 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-03/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/25/2025 | Months Reserves exceed minimum required - 23 months PITIA reserves; 0 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44%; max permitted 50%. |  | 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 |
| 832956 | xxxxxx D A | Closed | xxxxxx | 2025-04-21 11:51 | 2025-05-29 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Received revised CPA letter. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Please see updated CPA letter attached! xxxxxx! - Buyer-05/28/2025 <br> Counter-Documentation is insufficient-Operating Agreement required to confirm percentage of ownership and Articles of Incorporation required to confirm date business formed. OR Revised CPA letter required. - Due Diligence Vendor-05/08/2025 <br> Counter-CPA letter received does not provide borrowers full name, letter notes employee and then notes owner. xxxxxxcation required. - Due Diligence Vendor-05/01/2025 <br> Open-Missing proof of ownership of business - Due Diligence Vendor-04/21/2025 |  | Resolved-Received revised CPA letter. - Due Diligence Vendor-05/29/2025 | Qualifying DTI below maximum allowed - 45.35% DTI is below 50% maximum <br>LTV is less than guideline maximum - 64.27% LTV is less than 80% guideline max |  | 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 |
| 832956 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 11:46 | 2025-05-01 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-05/01/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-05/01/2025 | Qualifying DTI below maximum allowed - 45.35% DTI is below 50% maximum <br>LTV is less than guideline maximum - 64.27% LTV is less than 80% guideline max |  | 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 |
| 832959 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 11:54 | 2025-04-21 17:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-12 month VOR provided - 11 months on one and 1 month on the other. - Due Diligence Vendor-04/21/2025 <br> Counter-Please provide verification of previous rent, a full 12 month history is required. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Please see the attached documents - the 1st one reflects that the April rent payment was made. The 2nd one shows there were 11 months rental payments were made. - Seller-04/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Lender exception in file was denied for 11 months of current housing. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Please see the attached documents - the 1st one reflects that the April rent payment was made. The 2nd one shows there were 11 months rental payments were made. - Seller-04/17/2025<br>| Resolved-12 month VOR provided - 11 months on one and 1 month on the other. - Due Diligence Vendor-04/21/2025 | LTV is less than guideline maximum - LTV 42.32% max is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 720; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832964 | xxxxxx C A | Closed | xxxxxx | 2025-03-25 12:26 | 2025-03-27 13:08 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/27/2025 <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-03/25/2025 |  | Resolved-Received PCCD xxxxxx with correct disbursement date. - Due Diligence Vendor-03/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 716<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement. 0x30 >than 24 |  | 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 |
| 832988 | xxxxxx C A | Closed | xxxxxx | 2025-04-03 14:53 | 2025-04-23 16:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Two witnesses are only required on a deed transfer. - Due Diligence Vendor-04/23/2025 <br> Counter-Client Comments - "Per the title companys underwriter. 2 witness are not required. In addition, this mortgage is recorded and the county accepted it without witnesses. Please see copy of the document. As the Lender, we do not have additional requirements. "- AUDIT RESPONSE - Received Recorded Mortgage with legal description. xxxxxx does require witnesses on mortgage documents. Specifically, starting January 1, 2024, xxxxxx law requires two witnesses for all documents affecting real property, including mortgages, and each witness must provide their name and address on the document. - Due Diligence Vendor-04/21/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1. Missing Legal Description.<br> 2. xxxxxx requires 2 witnesses<br> - Due Diligence Vendor-04/03/2025 |  | Resolved-Two witnesses are only required on a deed transfer. - Due Diligence Vendor-04/23/2025 | LTV is less than guideline maximum - Max LTV 75% / Subject LTV 58.25%<br>DSCR % greater than 1.20 - DSCR 1.218% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 832989 | xxxxxx C B A | Closed | xxxxxx | 2025-03-24 13:00 | 2025-04-15 11:32 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received un-expired policies. - Due Diligence Vendor-04/15/2025 <br> Counter-Master policy has various Policy Periods, most of the policies are expired. Finding remains. - Due Diligence Vendor-04/07/2025 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Master Policy the general liability section Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx. - Due Diligence Vendor-03/24/2025 |  | Resolved-Received un-expired policies. - Due Diligence Vendor-04/15/2025 | DSCR % greater than 1.20 - DSCR is 1.603.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 832989 | xxxxxx C B A | Closed | xxxxxx | 2025-03-24 13:36 | 2025-03-24 14:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property Investor waiver provided and applied to non material finding with compensating factors- Condition waived. - Due Diligence Vendor-03/24/2025 |  | Waived-Property Issues are identified for the property Investor waiver provided and applied to non material finding with compensating factors- Condition waived. - Due Diligence Vendor-03/24/2025 | DSCR % greater than 1.20 - DSCR is 1.603.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 777; guidelines require 700. | 1. DSCR is 1.603.<br> 2. Qualifying FICO score 777; guidelines require 700. <br> 3. 28 months reserves; 2 months reserves required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 832998 | xxxxxx D B A | Closed | xxxxxx | 2025-03-26 06:31 | 2025-04-01 11:19 | 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-04/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/28/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/26/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-04/01/2025 | CLTV is less than guidelines maximum - CLTV of 58.23% is below the maximum of 75% allowed per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 810 is higher than the minimum FICO required of 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 |
| 832998 | xxxxxx D B A | Closed | xxxxxx | 2025-03-26 06:31 | 2025-04-01 11:19 | 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-04/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/28/2025 <br> Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/28/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-04/01/2025 | CLTV is less than guidelines maximum - CLTV of 58.23% is below the maximum of 75% allowed per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 810 is higher than the minimum FICO required of 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 |
| 832998 | xxxxxx D B A | Closed | xxxxxx | 2025-03-26 16:18 | 2025-04-01 11:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Per Client,2nd signor is the co-signer without any ownership. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. xxxxxx is the co-signer; therefore, signature on deed of trust is not required. Please waive the condition - Seller-03/28/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing signature for xxxxxx<br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. xxxxxx is the co-signer; therefore, signature on deed of trust is not required. Please waive the condition - Seller-03/28/2025 | Resolved-Per Client,2nd signor is the co-signer without any ownership. - Due Diligence Vendor-06/06/2025 | CLTV is less than guidelines maximum - CLTV of 58.23% is below the maximum of 75% allowed per guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 810 is higher than the minimum FICO required of 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 |
| 832998 | xxxxxx D B A | Closed | xxxxxx | 2025-03-25 11:27 | 2025-03-25 11:27 | 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-03/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material Findings - Due Diligence Vendor-03/25/2025 | CLTV is less than guidelines maximum - CLTV of 58.23% is below the maximum of 75% allowed per guidelines.<br> Qualifying FICO score is at least 20 points above minimum for program - FICO of 810 is higher than the minimum FICO required of 680 |  | 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 |
| 833012 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-25 11:49 | 2025-05-01 13:01 | Waived | 2 - Non-Material C B | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Waived-Client provided a waiver to allow other policy effective date after note date with PCI applied to non material finding with comp factors - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines - Buyer-04/30/2025 <br> Counter-Please reupload-did not received xxxxxx policy as comments received xxxxxx - Due Diligence Vendor-04/28/2025 <br> Open-Other Property Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx \*New\* Disbursement date was xxxxxx - Due Diligence Vendor-04/25/2025 |  | Waived-Client provided a waiver to allow other policy effective date after note date with PCI applied to non material finding with comp factors - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required.<br> Qualifying DTI below maximum allowed - 39.86% DTI is less than 50% maximum. | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - 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 |
| 833012 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-15 15:13 | 2025-04-25 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Other Property Insurance Policy Missing | Resolved-Received xxxxxx Policy. - Due Diligence Vendor-04/25/2025 <br> Open-Missing proof xxxxxx paid policy, only a copy of the application for insurance was provided. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received xxxxxx Policy. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 39.86% DTI is less than 50% maximum. |  | 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 |
| 833012 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-15 13:34 | 2025-04-22 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received current EA verification. - Due Diligence Vendor-04/22/2025 <br> Open-Missing documentation showing evidence of the tax preparer's business required by guidelines when tax preparer expense factor used. File includes an EA certificate granted xxxxxx and copy of a business card. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received current EA verification. - Due Diligence Vendor-04/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 39.86% DTI is less than 50% maximum. |  | 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 |
| 833012 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-14 12:24 | 2025-04-22 08:06 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Seller information is missing or inaccurate | Resolved-Received final Seller CD, finding resolved. - Due Diligence Vendor-04/22/2025 <br> Open-Missing final closing disclosure for Seller for accurate testing. - Due Diligence Vendor-04/14/2025 |  | Resolved-Received final Seller CD, finding resolved. - Due Diligence Vendor-04/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - 762 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 39.86% DTI is less than 50% maximum. |  | 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 |
| 833024 | xxxxxx C B A | Closed | xxxxxx | 2025-04-02 12:32 | 2025-04-16 08:13 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-----Upon further review, finding resolved. - Due Diligence Vendor-04/16/2025 <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 compa settings business days profile page:As not being open on Birthday of xxxxxx. (xxxxxx)As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of a list of homeownership counseling organizations. Missing Homeownership Counseling Organizations Disclosure dated within 3 days of Application date [xxxxxx]. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/02/2025 |  | Resolved-----Upon further review, finding resolved. - Due Diligence Vendor-04/16/2025 | 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 709 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833024 | xxxxxx C B A | Closed | xxxxxx | 2025-04-02 12:03 | 2025-04-16 08:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 <br> Counter------Received LE xxxxxx. Per initial 1003 in file, application date is xxxxxx. Missing Initial LE dated within 3 days of application date xxxxxx. Unable to test fees properly for tolerance, findings may apply upon receipt.Provide Loan estimate within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-04/16/2025 <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 $6,928.00.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). ...Missing Initial LE dated within 3 days of application date xxxxxx. Unable to test fees properly for tolerance, findings may apply upon receipt. - Due Diligence Vendor-04/02/2025 |  | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 | 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 709 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833024 | xxxxxx C B A | Closed | xxxxxx | 2025-04-02 12:03 | 2025-04-16 08:13 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 <br> Counter------Received LE xxxxxx. Per initial 1003 in file, application date is xxxxxx. Missing Initial LE dated within 3 days of application date xxxxxx. Unable to test fees properly for tolerance, findings may apply upon receipt.Provide Loan estimate within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-04/16/2025 <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, a 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 compa settings business days profile page:As not being open on Birthday of xxxxxx. (xxxxxx)As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. 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-04/02/2025 |  | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 | 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 709 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833024 | xxxxxx C B A | Closed | xxxxxx | 2025-04-02 12:03 | 2025-04-16 08:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 <br> Counter------Received LE xxxxxx. Per initial 1003 in file, application date is xxxxxx. Missing Initial LE dated within 3 days of application date xxxxxx. Unable to test fees properly for tolerance, findings may apply upon receipt.Provide Loan estimate within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-04/16/2025 <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% ($1,265.00) 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). ...Missing Initial LE dated within 3 days of application date xxxxxx. Unable to test fees properly for tolerance, findings may apply upon receipt. - Due Diligence Vendor-04/02/2025 |  | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 | 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 709 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833024 | xxxxxx C B A | Closed | xxxxxx | 2025-04-16 07:58 | 2025-04-16 08:13 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 <br> Counter-Received SPL dated xxxxxx. Per initial 1003 in file, application date is xxxxxx. Provide SPL within 3 days of application date. - Due Diligence Vendor-04/16/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)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 §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the 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 compa settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-04/16/2025 |  | Resolved------Upon further review, loan detail report reflects xxxxxx application date, finding resolved. - Due Diligence Vendor-04/16/2025 | 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 709 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833024 | xxxxxx C B A | Closed | xxxxxx | 2025-04-04 12:11 | 2025-04-04 16:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client waiver applied to non material finding with comp factors. Deemed not material since lender would perform their own OFAC check prior to hiring underwriter.<br> - Due Diligence Vendor-04/04/2025 <br> Open-OFAC Check Not Completed and/or Cleared for the Underwriter. All parties of transaction must be ran and checked with OFAC. - Due Diligence Vendor-04/04/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed not material since lender would perform their own OFAC check prior to hiring underwriter.<br> - Due Diligence Vendor-04/04/2025 | 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 709 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 | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833028 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 12:06 | 2025-04-28 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Upon further review, the loan file contained all required Master Flood Coverage documentation. - Due Diligence Vendor-04/28/2025 <br> Open-Flood Insurance Policy Partially Provided Building coverage amount $500,000 does not meet the estimated replacement cost of $xxxxxx stated on policy. - Due Diligence Vendor-04/22/2025 |  | Resolved-Upon further review, the loan file contained all required Master Flood Coverage documentation. - Due Diligence Vendor-04/28/2025 | Months Reserves exceed minimum required - 38.31 months reserves with 6 months required<br> Qualifying FICO score is at least 20 points above minimum for program - 693 FICO with 660 min |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833036 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 12:53 | 2025-04-18 12:15 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-The operating agreement reflects the borrower as 100% owner. - Due Diligence Vendor-04/18/2025 <br> Counter-Closing package received, however we are missing documentation to support the % of ownership for xxxxxx. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. 4/14/25 - Manually uploaded to xxxxxx for review. Please see vesting deed attached. Counter status bounced back to xxxxxx without TPR review. - Buyer-04/14/2025 <br> Counter-Received Quit Claim-missing ownership documentation of xxxxxx - missing operating agreement. - Due Diligence Vendor-04/14/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing Deed conveying interest from xxxxxx to xxxxxx - Due Diligence Vendor-04/10/2025 |  | Resolved-The operating agreement reflects the borrower as 100% owner. - Due Diligence Vendor-04/18/2025 | DSCR % greater than 1.20 - qualifying DSCR is 1.25%<br> Months Reserves exceed minimum required - 27.78 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833036 | xxxxxx C A | Closed | xxxxxx | 2025-04-09 17:26 | 2025-04-16 12:56 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Pre-approval provided. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-4/14/25 - Manually re-uploaded thru xxxxxx. Please see pre-approval. Condition bouncing back to xxxxxx without review. - Buyer-04/14/2025 <br> Counter-Provide 1008-pre approval is not sufficient. - Due Diligence Vendor-04/14/2025 <br> Open-Missing Approval/Underwriting Summary Approval or 1008 is missing from the file - Due Diligence Vendor-04/09/2025 |  | Resolved-Pre-approval provided. - Due Diligence Vendor-04/16/2025<br>| DSCR % greater than 1.20 - qualifying DSCR is 1.25%<br> Months Reserves exceed minimum required - 27.78 mos reserves; 2 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833037 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:30 | 2025-05-16 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received final settlement statement for sale of xxxxxx. - Due Diligence Vendor-05/16/2025 <br> Counter-Documentation is insufficient-preliminary HUD-1 provided-original finding remains. - Due Diligence Vendor-05/09/2025 <br> Open-Per the final application the property at xxxxxx is a pending sale. HUD i the file is not signed or dated. No evidence provided the property has been sold. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received final settlement statement for sale of xxxxxx. - Due Diligence Vendor-05/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 707, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - Calculated DTI is 40.11%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833037 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:02 | 2025-05-08 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report dated within 10 days of the loan closing. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 707, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - Calculated DTI is 40.11%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833037 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 12:45 | 2025-05-08 09:15 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received Intent to Proceed, finding resolved. - Due Diligence Vendor-05/08/2025 <br> Open-Missing intent to proceed. Fees paid outside of closing. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Intent to Proceed, finding resolved. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 707, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - Calculated DTI is 40.11%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833037 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 10:55 | 2025-05-08 09:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeowners Counseling disclosure, finding resolved. - Due Diligence Vendor-05/08/2025 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Homeowners Counseling disclosure, finding resolved. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 707, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - Calculated DTI is 40.11%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833037 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:42 | 2025-04-30 11:20 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-04/30/2025 <br> Open-Missing Approval/Underwriting Summary Missing the 1008 or lender loan approval. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received approval - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 707, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - Calculated DTI is 40.11%, guideline maximum is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833037 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 10:55 | 2025-04-25 11:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/25/2025 <br> Open-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/25/2025 |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 707, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - Calculated DTI is 40.11%, guideline maximum 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 |
| 833037 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 10:55 | 2025-04-25 11:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/25/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/25/2025 |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 707, guideline minimum is 660.<br> Qualifying DTI below maximum allowed - Calculated DTI is 40.11%, guideline maximum 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 |
| 833039 | xxxxxx B A | Closed | xxxxxx | 2025-04-25 12:44 | 2025-04-25 14:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception request: Borrower previous rental unable to obtain VOR, Landlord is non responsive to calls. All bank statements<br> confirming transfers to the Landlord along with the lease and evidence of ownership by landlord. Non-Material. Evidence provided shows acceptable payment history for last 8 months. Prior Mortgage payment history perfect. - Due Diligence Vendor-04/25/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 710; Guideline FICO 680<br>Qualifying DTI below maximum allowed - Qualifying Total Debt Income Ratio 31.73%; Guideline DTI 45% | -DTI <= 40% which is below requirement in guidelines<br> - Residual income more than 2.5x the amount required by guidelines<br> - Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833039 | xxxxxx B A | Closed | xxxxxx | 2025-04-24 13:28 | 2025-04-24 14:50 | 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-04/24/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 710; Guideline FICO 680<br>Qualifying DTI below maximum allowed - Qualifying Total Debt Income Ratio 31.73%; Guideline DTI 45% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833058 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833084 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833086 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 15:08 | 2025-05-08 08:47 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD xxxxxx,. LOX, copy of check and evidence of delivery. Finding cured - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Loading directly to xxxxxx as the condition keeps bouncing back to investor responsibility. - Buyer-05/07/2025 <br> Counter------No attachment received. - Due Diligence Vendor-04/28/2025 <br> Open------Received COC xxxxxx for increases related to the rate change. Tolerance violation is for increase in Final Inspection fee. 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 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-04/25/2025 <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 (Final Inspection 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 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-04/21/2025 |  | Cured-Received PCCD xxxxxx,. LOX, copy of check and evidence of delivery. Finding cured - Due Diligence Vendor-05/08/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 24 months.<br> Months Reserves exceed minimum required - Borrower has 8.91 months of reserves and only needs 3 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833086 | xxxxxx C B A | Closed | xxxxxx | 2025-04-23 11:26 | 2025-05-06 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-The property is not in the xxxxxx zone that requires xxxxxx. - Due Diligence Vendor-05/06/2025 <br> Open-In xxxxxx, xxxxxx are required to be xxxxxx. Provide photos of the xxxxxx that meet these xxxxxx Law Requirements. - Due Diligence Vendor-04/23/2025 |  | Resolved-The property is not in the xxxxxx zone that requires straps. - Due Diligence Vendor-05/06/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 24 months.<br> Months Reserves exceed minimum required - Borrower has 8.91 months of reserves and only needs 3 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833086 | xxxxxx C B A | Closed | xxxxxx | 2025-04-23 10:15 | 2025-04-25 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Amendment to the purchase contract. - Due Diligence Vendor-04/25/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract Addendum support seller credit in the amount of $10,000. - Due Diligence Vendor-04/23/2025 |  | Resolved-Received Amendment to the purchase contract. - Due Diligence Vendor-04/25/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 24 months.<br> Months Reserves exceed minimum required - Borrower has 8.91 months of reserves and only needs 3 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833086 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 14:23 | 2025-04-22 07:23 | 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-04/22/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-04/22/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 24 months.<br> Months Reserves exceed minimum required - Borrower has 8.91 months of reserves and only needs 3 months to qualify. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833092 | xxxxxx D A | Closed | xxxxxx | 2025-04-09 19:20 | 2025-04-17 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/06/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business purpose affidavit. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 78.48mos reserves. Per guides, 2 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 725. Per guides, minimum score required 680.<br> LTV is less than guideline maximum - Borr LTV 60%. Per guides, maximum LTV 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833092 | xxxxxx D A | Closed | xxxxxx | 2025-04-09 20:29 | 2025-04-10 11:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The borrower has owned this property since xxxxxx. - Due Diligence Vendor-06/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements BORR EXPERIENCED INVESTOR. verified 10 mos payment: Per Matrix Experienced Investor, Borrower/guarantor must have a history of owning and managing commercial or non-owner occupied residential real estate for at least 1 year in last 3 years. - Due Diligence Vendor-06/06/2025 |  | Resolved-The borrower has owned this property since 8/11/2021. - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 78.48mos reserves. Per guides, 2 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 725. Per guides, minimum score required 680.<br> LTV is less than guideline maximum - Borr LTV 60%. Per guides, maximum LTV 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833108 | xxxxxx C A | Closed | xxxxxx | 2025-04-15 12:47 | 2025-04-29 12:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Seller statement for the sale of an REO. - Due Diligence Vendor-04/29/2025 <br> Counter-Received Seller Final Settlement Statement. Please provide the PCCD. - Due Diligence Vendor-04/25/2025 <br> Open-Audited Reserves of 3.59 month(s) are less than Guideline Required Reserves of 6 month(s) Audit used all assets available. The 1003 indicates proceeds from the sale of the prior primary. No proof of the sale provided. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received Seller statement for the sale of an REO. - Due Diligence Vendor-04/29/2025 | Qualifying DTI below maximum allowed - 39.53% vs. max 50%<br> Qualifying FICO score is at least 20 points above minimum for program - 766 vs. 680 @ 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 |
| 833114 | xxxxxx D B A | Closed | xxxxxx | 2025-03-25 10:04 | 2025-03-31 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 supporting the appraised value. - Due Diligence Vendor-03/31/2025 <br> Open-Additional valuation product has not been provided. Secondary Valuation or Additional Valuation has not been entered per securitization requirements. Secondary valuation product required in every file per guidelines. - Due Diligence Vendor-03/25/2025 |  | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-03/31/2025 | Qualifying DTI below maximum allowed - DTI is 13.13% and max allowed is 45%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 797 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833114 | xxxxxx D B A | Closed | xxxxxx | 2025-03-21 16:08 | 2025-03-21 16:47 | 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.<br> - Due Diligence Vendor-03/21/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/21/2025 | Qualifying DTI below maximum allowed - DTI is 13.13% and max allowed is 45%<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 797 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 | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833144 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833170 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 833187 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 12:47 | 2025-05-01 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received validation of PITIA. - Due Diligence Vendor-05/01/2025 <br> Open-Missing verification of taxes, insurance, for non-subject property listed as xxxxxx. on 1003. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received validation of PITIA. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO score is 20+points above 660 minimum <br> Months Reserves exceed minimum required - 274 months reserves exceed 6 month minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 833187 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 12:39 | 2025-04-25 14:12 | 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-04/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material findings. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO score is 20+points above 660 minimum <br> Months Reserves exceed minimum required - 274 months reserves exceed 6 month minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833189 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833221 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 833228 | xxxxxx C A | Closed | xxxxxx | 2025-04-28 10:20 | 2025-05-06 12:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/06/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-05/06/2025<br>| LTV is less than guideline maximum - LTV is 85% and max allowed is 90%.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 812 and minimum allowed is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 833233 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833257 | xxxxxx D B A | Closed | xxxxxx | 2025-04-03 09:12 | 2025-04-30 12:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Client provided a waiver. This has been applied with compensating factors. Lawsuit is for $10,000 or less and the association has adequate reserves. - Due Diligence Vendor-04/29/2025 <br> Open-Condo project has pending litigation dated xxxxxx pg 213, due to xxxxxx in violation of the Fair housing Act, xxxxxx in violation of the Fair Employment and Housing Act, Violation of California's Unruh Act, Intentional infliction of Emotional Distress and Disability Discrimination. Missing the estimated amount of the claim. The attorney letter states the monetary amount is pending. Additional conditions may apply. - Due Diligence Vendor-04/03/2025 |  | Waived-Client provided a waiver. This has been applied with compensating factors. Lawsuit is for $10,000 or less and the association has adequate reserves. - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 771<br> LTV is less than guideline maximum - Max LTV 80% / Subject LTV 39.66% | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required<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 |
| 833257 | xxxxxx D B A | Closed | xxxxxx | 2025-04-04 13:13 | 2025-04-28 11:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PPP Addendum to the Note and revised CD. - Due Diligence Vendor-04/28/2025 <br> Counter-Received corrected Note reflecting IO. Note received did not include prepayment penalty addendum. Confirm prepayment penalty and final CD did not reflect IO-provide PCCD. - Due Diligence Vendor-04/23/2025 <br> Open-There are Issues Present on the Note that must be addressed. The note reflects an interest-only payment; however, there is no rider to the note or language in the note reflecting it is interest only. - Due Diligence Vendor-04/04/2025 |  | Resolved-Received PPP Addendum to the Note and revised CD. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 771<br> LTV is less than guideline maximum - Max LTV 80% / Subject LTV 39.66% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833257 | xxxxxx D B A | Closed | xxxxxx | 2025-04-03 10:35 | 2025-04-23 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-04/16/2025 <br> Counter-Attestation regarding Affiliates provided, however we are missing the Business Purpose Affidavit. - Due Diligence Vendor-04/09/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-04/03/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 771<br> LTV is less than guideline maximum - Max LTV 80% / Subject LTV 39.66% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833257 | xxxxxx D B A | Closed | xxxxxx | 2025-04-03 09:21 | 2025-04-03 10:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to the % of project square footage for the part used for commercial/non-residential purpose is <1% and strong comp factors. - Due Diligence Vendor-04/03/2025 <br> Open-Condo does not meet requirements- Subject HOA's amenities are subject to a recreational lease - Due Diligence Vendor-04/03/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to the % of project square footage for the part used for commercial/non-residential purpose is <1% and strong comp factors. - Due Diligence Vendor-04/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 771<br>LTV is less than guideline maximum - Max LTV 80% / Subject LTV 39.66% | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<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 |
| 833260 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833262 | xxxxxx B A | Closed | xxxxxx | 2025-04-18 08:44 | 2025-04-18 09:29 | 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-04/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------ Client waiver applied to non-material Findings. - Due Diligence Vendor-04/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 803 is higher than the minimum FICO required of 740<br> On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 40 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 | Investor Post-Close | No | xxxxxx |
| 833270 | xxxxxx B A | Closed | xxxxxx | 2025-04-08 15:24 | 2025-04-09 07:16 | 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-04/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2025 | Months Reserves exceed minimum required - 22.86mos reserves. Per guides, no reserves required.<br> CLTV is less than guidelines maximum - Borr CLTV 55.29%. Per guides, maximum CLTV 90%. |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833276 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 14:18 | 2025-05-08 09:28 | Cured | 2 - Non-Material C B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Cured-Received PCCD xxxxxx, LOX, copy of check and evidence of delivery. Finding cured. - Due Diligence Vendor-05/08/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Verification Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/28/2025 |  | Cured-Received PCCD xxxxxx, LOX, copy of check and evidence of delivery. Finding cured. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - The calculated DTI is 22.87%, max allowed is 50%.<br>Months Reserves exceed minimum required - Verified reserves equal 7.69 months, guidelines require 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 |
| 833284 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 08:25 | 2025-04-17 14:50 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Upon further review the 1% restriction does not apply to investment properties - Due Diligence Vendor-04/17/2025 <br> Counter-PPP is allowed, however it is restricted - State requirements state in no event will I be charged a prepayment penalty that exceeds 1% of the original Principal amount of the residential mortgage - Due Diligence Vendor-04/17/2025 <br> Open-Prepayment Penalty is not allowed. OH-1% of the original principal balance, up to 5 years (PPP on file is for 5%) - Due Diligence Vendor-04/03/2025 |  | Resolved-Upon further review the 1% restriction does not apply to investment properties - Due Diligence Vendor-04/17/2025 | Months Reserves exceed minimum required - 172 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - 771 FICO score is 20+ points above minimum for program(640) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833284 | xxxxxx C B A | Closed | xxxxxx | 2025-04-02 17:20 | 2025-04-03 08:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Exception for Investor concentration is 66.6% >60% maximum and Single entity ownership is 25.71%> 20% maximum<br> - credit score 30+ points above<br> - reserves exceed requirement<br> - experienced investor<br> - Due Diligence Vendor-04/02/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 172 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - 771 FICO score is 20+ points above minimum for program(640) | Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months<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 |
| 833293 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833297 | xxxxxx C A | Closed | xxxxxx | 2025-04-14 09:35 | 2025-04-22 10:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-04/22/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-04/14/2025 |  | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-04/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 800. Per guides, minimum score required 660.<br> Months Reserves exceed minimum required - 94.05mos reserves. Per guides, no reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833297 | xxxxxx C A | Closed | xxxxxx | 2025-04-14 09:33 | 2025-04-18 12:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Client acknowledged the variance. - Due Diligence Vendor-04/18/2025 <br> Open-There are Issues Present on the Note that must be addressed. original loan amount and payment start date do not match tape - Due Diligence Vendor-04/14/2025 |  | Resolved-Client acknowledged the variance. - Due Diligence Vendor-04/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 800. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 94.05mos reserves. Per guides, no reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833299 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833301 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833304 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833307 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833309 | xxxxxx C A | Closed | xxxxxx | 2025-03-13 14:47 | 2025-03-17 15:18 | Resolved | 1 - Information C A | Credit | Insurance | Property 1: Missing Rent Loss Insurance. Hazard policy provided does not reflect rent loss coverage for the subject investor-owned property. | Resolved-Received email confirmation of rent loss amount on policy. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. Please see attached responses from the Agent confirming rent loss is covered up to the actual loss the borrower may sustain. The policy does not cap the Rent Loss Limit. In addition, we note that the most recent xxxxxx Guide does not require Rent Loss to be obtained. We ask this condition please be cleared. - Seller-03/14/2025 <br> Open-Provide the Hazard Insurance Rent Loss Coverage amount for xxxxxx. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please see attached responses from the Agent confirming rent loss is covered up to the actual loss the borrower may sustain. The policy does not cap the Rent Loss Limit. In addition, we note that the most recent xxxxxx Guide does not require Rent Loss to be obtained. We ask this condition please be cleared. - Seller-03/14/2025 | Resolved-Received email confirmation of rent loss amount on policy. - Due Diligence Vendor-03/17/2025 | DSCR % greater than 1.20 - DSCR % > 1.20- Borrower's DSCR % 1.25<br>LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 67.14% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833310 | xxxxxx C B A | Closed | xxxxxx | 2025-03-07 12:04 | 2025-03-12 16:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for 5% LTV exception , applied to non material finding with comp factors : Reserves>3 months; Housing history: 0x30 24+ verified. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. The loan file included the attached approved exception for the 70% LTV. - Seller-03/11/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% When the loan is a cash out DSCR and the % is less than .80, the LTV is to be reduced by 5%, pg 9 of guide. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. The loan file included the attached approved exception for the 70% LTV. - Seller-03/11/2025 | Waived-Originator provided a waiver for 5% LTV exception , applied to non material finding with comp factors : Reserves>3 months; Housing history: 0x30 24+ verified. - Due Diligence Vendor-03/12/2025 | Long term residence - Long Term Residence- Borrowers have resided over 2+ yrs in their respective homes.<br> Months Reserves exceed minimum required - 2 mths reserves req'd- borrower's reserves 37.63 mths |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 833310 | xxxxxx C B A | Closed | xxxxxx | 2025-03-11 09:10 | 2025-03-11 09:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/11/2025 <br> Open-Using leases to qualify which exceeds 120% of market rent. - Due Diligence Vendor-03/11/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/11/2025 | Long term residence - Long Term Residence- Borrowers have resided over 2+ yrs in their respective homes.<br> Months Reserves exceed minimum required - 2 mths reserves req'd- borrower's reserves 37.63 mths | LTV 5% Below Max.<br> 24+ months credit history. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 833312 | xxxxxx C A | Closed | xxxxxx | 2025-03-11 07:15 | 2025-04-17 15:21 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received dec page reflecting borrower as insured. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 <br> Open-Named Insured does not match Borrower(s) Name(s) Name on HO6 policy does not match name of borrower - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/15/2025 | Resolved-Received dec page reflecting borrower as insured. - Due Diligence Vendor-04/17/2025 | DSCR % greater than 1.20 - DSR 1.31<br> Months Reserves exceed minimum required - 6 month min reserve requirement, borrower has 99.08 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833313 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833314 | xxxxxx C B A | Closed | xxxxxx | 2025-03-12 15:00 | 2025-03-14 14:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount below minimum applied to non material finding with comp factors. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see attached approved exception for the loan amount. - Seller-03/13/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 The loan amount is below the guideline minimum loan amount. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Please see attached approved exception for the loan amount. - Seller-03/13/2025 | Waived-Originator provided a waiver for loan amount below minimum applied to non material finding with comp factors. - Due Diligence Vendor-06/05/2025 | DSCR % greater than 1.20 - DSCR % > than 1.20--- the DSCR % is 2.02<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrowers Mid FICO 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 833316 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833318 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833321 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833322 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833325 | xxxxxx C B A | Closed | xxxxxx | 2025-03-03 13:26 | 2025-03-03 15:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Borrower only lives rent free xxxxxx and on weekends lives in second home which has a mortgage, also has mortgage on subject home, both paid timely for past 12 months.<br> Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Rent free borrower not allowed on investment.<br> - Due Diligence Vendor-03/03/2025 |  | Waived-Borrower only lives rent free xxxxxx and on weekends lives in second home which has a mortgage, also has mortgage on subject home, both paid timely for past 12 months.<br> Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/03/2025 | Months Reserves exceed minimum required - The Borrower has 16.76 in reserves; 3 months required.<br> Qualifying DTI below maximum allowed - 31.3% < 50% allowed<br> Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 763; guideline minimum is 680 | FICO is 40 points above the minimum DTI is more than 5% below maximum. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 833327 | xxxxxx C A | Closed | xxxxxx | 2025-03-10 11:14 | 2025-03-13 15:14 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Upon further review, the loan file contained all required insurance documentation confirming no landlord protection required. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-We respectfully disagree as the program guidelines do not require rent loss coverage. - Seller-03/11/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Provide proof of the Rent Loss Coverage. - Due Diligence Vendor-03/10/2025 | Ready for Review-We respectfully disagree as the program guidelines do not require rent loss coverage. - Seller-03/11/2025 | Resolved-Upon further review, the loan file contained all required insurance documentation confirming no landlord protection required. - Due Diligence Vendor-03/12/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 14.03%<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833327 | xxxxxx C A | Closed | xxxxxx | 2025-03-10 17:34 | 2025-03-13 15:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Please see attached RCE. - Seller-03/13/2025 <br> Counter-Please provide RCE confirming acceptable coverage amount. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-We respectfully disagree. According to the RCE, the Reconstruction cost with xxxxxx Removal is $ xxxxxx. The dwelling coverage is $ xxxxxx As such, the coverage amount for subject property is sufficient. - Seller-03/11/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Coverage Amount for Insured Subject Property is Insufficient - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Please see attached RCE. - Seller-03/13/2025 <br> Ready for Review-We respectfully disagree. According to the RCE, the Reconstruction cost with xxxxxx Removal is $ xxxxxx. The dwelling coverage is $ xxxxxx. As such, the coverage amount for subject property is sufficient. - Seller-03/11/2025 | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-03/13/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 14.03%<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 768 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833329 | xxxxxx B A | Closed | xxxxxx | 2025-06-09 12:22 | 2025-06-09 12:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material appraisal is still dated within 120 days of the Lender exception for appraisal transfer. appraisals must be transferred within 60 days of Note date. Exception for appraisal transfer on 70th day. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material appraisal is still dated within 120 days of the Lender exception for appraisal transfer. appraisals must be transferred within 60 days of Note date. Exception for appraisal transfer on 70th day. - Due Diligence Vendor-06/09/2025 | DSCR % greater than 1.20 - DSCR = 1.219<br> Months Reserves exceed minimum required - 3 month minimum reserve requirement, borrower has 42.54 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 833337 | xxxxxx C A | Closed | xxxxxx | 2025-03-10 13:12 | 2025-06-05 17:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 79.11% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/05/2025 <br> Resolved-CDA value supports appraised value - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception - Seller-03/25/2025 <br> Open-Audited LTV of 108.95% exceeds Guideline LTV of 80% Per guides, due to confidence score less than 90% must use lesser of AVM or CDA, AVM is the least appraised value - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Please see attached Exception - Seller-03/25/2025<br>| Resolved-Audited LTV of 79.11% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-06/05/2025 <br> Resolved-CDA value supports appraised value - Due Diligence Vendor-03/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 787<br> Months Reserves exceed minimum required - 6 months min reserve requirement, borrower has 11.09 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 833342 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833343 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833345 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833349 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833350 | xxxxxx D A | Closed | xxxxxx | 2025-03-19 13:34 | 2025-03-31 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received title communication of updated proposed insured for title policy. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Please see attached communication with Title confirming the Final Title would list xxxxxx, Sole Member of xxxxxx as the insured party. - Seller-03/27/2025 <br> Open-Provide the final Title Policy with the correct Title Property Insured. All docs in file show vesting as borrower name however the mortgage is in an LLC. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Please see attached communication with Title confirming the Final Title would list xxxxxx, Sole Member of xxxxxx as the insured party. - Seller-03/27/2025 | Resolved-Received title communication of updated proposed insured for title policy. - Due Diligence Vendor-03/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 787<br> DSCR % greater than 1.20 - DSCR % is > 1.20--- Borrower's DSCR % is 1.52 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833353 | xxxxxx C B A | Closed | xxxxxx | 2025-03-06 12:03 | 2025-04-07 12:20 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Legal description matches on all documents. - Due Diligence Vendor-04/07/2025 <br> Counter-Title to reflect subject property address matching Note/Cd-will accept email or escrow instructions. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Please note that the Address does not pose a conflict as the property is still considered a xxxxxx with a ADU. We further note that the Legal Description is what is recorded and would identify the property and not the common address. As such, we ask that this item is please be waived as the Legal Description matches on all docs. - Seller-03/25/2025 <br> Open-Title reflects the address differently than the NOTE.... xxxxxx due to the AUD - Due Diligence Vendor-03/06/2025 | Ready for Review-Please note that the Address does not pose a conflict as the property is still considered a xxxxxx with a ADU. We further note that the Legal Description is what is recorded and would identify the property and not the common address. As such, we ask that this item is please be waived as the Legal Description matches on all docs. - Seller-03/25/2025 | Resolved-Legal description matches on all documents. - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 783<br> Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 40.74% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833353 | xxxxxx C B A | Closed | xxxxxx | 2025-03-06 11:59 | 2025-03-12 16:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reduced required reserves applied to non material finding with comp factors : 6+ employment; Fico 83 pt higher than minimum; 0x30 reflecting on mortgage history for 24+ months, additional income not considered in qualifying. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. The loan file contained the attached approved exception for the reserves. - Seller-03/10/2025 <br> Open-Audited Reserves of 5.67 month(s) are less than Guideline Required Reserves of 6 month(s) audited reserves are not sufficient to cover 6 months per guides - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. The loan file contained the attached approved exception for the reserves. - Seller-03/10/2025 | Waived-Originator provided a waiver for reduced required reserves applied to non material finding with comp factors : 6+ employment; Fico 83 pt higher than minimum; 0x30 reflecting on mortgage history for 24+ months, additional income not considered in qualifying. - Due Diligence Vendor-03/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 783<br> Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 40.74% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 833353 | xxxxxx C B A | Closed | xxxxxx | 2025-03-06 06:56 | 2025-03-12 16:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT legal description. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2025 | Resolved-Received DOT legal description. - Due Diligence Vendor-03/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 783<br> Qualifying DTI below maximum allowed - Max DTI is 50%, borrower is at 40.74% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833357 | xxxxxx C B A | Closed | xxxxxx | 2025-03-14 12:42 | 2025-06-05 17:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator provided a waiver for acreage of xxxxxx exceeds the maximum of 20 allowed for Rural properties., applied to non material finding with comp factors - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-03/20/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject property location 'xxxxxx', site xxxxxx. Per guides 1/21/2025, pg37, Rural properties greater than 20 acres not eligible. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-03/20/2025 | Waived-Originator provided a waiver for acreage of xxxxxx exceeds the maximum of 20 allowed for Rural properties., applied to non material finding with comp factors - Due Diligence Vendor-03/21/2025 | Months Reserves exceed minimum required - 2mos reserves. Per guides, 5 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 755. Per guides, minimum score required 700. | -775 fico<br> - mortgage history 0x30 24+ months<br> -12yrs in primary residence | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 833357 | xxxxxx C B A | Closed | xxxxxx | 2025-03-12 09:27 | 2025-05-15 14:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PCCD. PPP was removed. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD with corrected PPP. - Seller-05/13/2025 <br> Open-There are Issues Present on the Note that must be addressed. CD and tape indicates PPP but note does not mention PPP - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Please see attached PCCD with corrected PPP. - Seller-05/13/2025 | Resolved-Received PCCD. PPP was removed. - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - 2mos reserves. Per guides, 5 reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 755. Per guides, minimum score required 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833358 | xxxxxx C A | Closed | xxxxxx | 2025-03-13 11:53 | 2025-03-20 16:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required attached legal description to DOT. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2025 | Resolved-Received Legal Description - Due Diligence Vendor-03/20/2025 | Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 26.76% <br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 - Borrower's FICO 684 |  | 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 |
| 833360 | xxxxxx D A C | Closed | xxxxxx | 2025-03-12 12:55 | 2025-03-13 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Upon further review, the loan file contained all required FTHB documentation as noted within section 4.2.3 of guidelines. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-As noted on the 1008, the borrower is a FTHB. Please refer to program guidelines section 4.2.3 First Time Home Buyer (FTHB) o FTHB may also purchase an investment property utilizing the DSCR program, o A FTHB is defined as an applicant who have never previously owned a home (real property). - Seller-03/12/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Borr renting primary residence, VOR in file. No prior REO indicated on Final 1003, Credit Report, nor xxxxxx. PER GUIDES 1/21/25 PG12 First Time Investor: Borrower/guarantor must currently own a primary residence for at least one (1) year, Verified most recent 12 month mortgage history. Title only borrowers who are NOT on the note, require an exception. - Due Diligence Vendor-03/12/2025 | Ready for Review-As noted on the 1008, the borrower is a FTHB. Please refer to program guidelines section 4.2.3 First Time Home Buyer (FTHB) o FTHB may also purchase an investment property utilizing the DSCR program, o A FTHB is defined as an applicant who have never previously owned a home (real property). - Seller-03/12/2025 | Resolved-Upon further review, the loan file contained all required FTHB documentation as noted within section 4.2.3 of guidelines. - Due Diligence Vendor-03/13/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.266 Per guides, minimum DSCR 0<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 731. Per guides, minimum score required 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833360 | xxxxxx D A C | Closed | xxxxxx | 2025-03-12 14:48 | 2025-03-13 14:20 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received acceptable AVM supporting value. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. A secondary valuation is not required. Please see attached AVM with a confidence score of 94% and the value within 10% which allows the Appraised Value to be used. - Seller-03/12/2025 <br> Open-Secondary Valuation needed (CU & LCA on file not scored) - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. A secondary valuation is not required. Please see attached AVM with a confidence score of 94% and the value within 10% which allows the Appraised Value to be used. - Seller-03/12/2025<br>| Resolved-Received acceptable AVM supporting value. - Due Diligence Vendor-03/13/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.266 Per guides, minimum DSCR 0<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 731. Per guides, minimum score required 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833362 | xxxxxx D A | Closed | xxxxxx | 2025-03-20 16:14 | 2025-04-07 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received purpose of cash out letter - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/04/2025 <br> Open-Missing Cash-out letter - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/04/2025<br>| Resolved-Received purpose of cash out letter - Due Diligence Vendor-04/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 806<br> LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 53.14% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833362 | xxxxxx D A | Closed | xxxxxx | 2025-03-19 11:40 | 2025-03-31 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/27/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing BP Cert - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/27/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 806<br> LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 53.14% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833366 | xxxxxx C B A | Closed | xxxxxx | 2025-03-18 15:00 | 2025-06-05 18:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV up to 80%, applied to non material finding with comp factors. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see attached Approved Exception for the LTV. - Seller-03/19/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. Please see attached Approved Exception for the LTV. - Seller-03/19/2025<br>| Waived-Originator provided a waiver for LTV up to 80%, applied to non material finding with comp factors. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, borrowers mid score is 716<br> Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 48.39% | Employment 5+ years exceeds guidelines; 4+ years at primary residence and 24+ month credit 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 |
| 833366 | xxxxxx C B A | Closed | xxxxxx | 2025-03-18 14:42 | 2025-06-05 18:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for 3 months PITIA reserves, applied to non material finding with comp factors. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. Please see attached approved Exception for the reserves. - Seller-03/19/2025 <br> Open-Audited Reserves of 3.59 month(s) are less than Guideline Required Reserves of 9 month(s) Exception for 3 months reserves(missing from uploaded documents, per 1008 the exception is approved) - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. Please see attached approved Exception for the reserves. - Seller-03/19/2025<br>| Waived-Originator provided a waiver for 3 months PITIA reserves, applied to non material finding with comp factors. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, borrowers mid score is 716<br> Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 48.39% | Employment 5+ years exceeds guidelines; 4+ years at primary residence and 24+ month credit 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 |
| 833366 | xxxxxx C B A | Closed | xxxxxx | 2025-03-18 14:45 | 2025-03-18 15:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $3,000,000<br> Originator Exception granted and in file. Waiver applied with comp factors. Exception deemed non-material as lender has guides that allow loan amounts to xxxxxx - Due Diligence Vendor-03/18/2025 |  | Waived-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $3,000,000<br> Originator Exception granted and in file. Waiver applied with comp factors. Exception deemed non-material as lender has guides that allow loan amounts to xxxxxx - Due Diligence Vendor-03/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, borrowers mid score is 716<br> Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 48.39% | 5+ yrs employment history<br> 24+ month credit history<br> 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 | Originator Post-Close | Yes | xxxxxx |
| 833372 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833375 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833376 | xxxxxx C A | Closed | xxxxxx | 2025-03-12 17:14 | 2025-03-20 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received revised appraisal reflecting xxxxxx and LTV max is 80% LTV. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected appraisal reflecting the subject property location is xxxxxx. Please note the appraisal did reflect the land use as 85% xxxxxx unit, 5% xxxxxx unit, 10% xxxxxx and xxxxxx. The property is within xxxxxx from xxxxxx areas. - Seller-03/19/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% Per appraisal subject property is xxxxxx. Per matrix max LTV is 70% for rural property - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Please see attached corrected appraisal reflecting the subject property location is xxxxxx. Please note the appraisal did reflect the land use as 85% xxxxxx unit, 5% xxxxxx unit, 10% xxxxxx and xxxxxx. The property is within xxxxxx from xxxxxx areas. - Seller-03/19/2025 | Resolved-Received revised appraisal reflecting xxxxxx and LTV max is 80% LTV. - Due Diligence Vendor-03/20/2025 | DSCR % greater than 1.20 - DSCR = 1.557<br> Qualifying FICO score is at least 20 points above minimum for program - B1 qualifying FICO score 761. Per guides, minimum score required 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833389 | xxxxxx C A | Closed | xxxxxx | 2025-03-19 12:18 | 2025-03-25 14:30 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Assignment meeting guidelines. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Please see attached Purchase Contract for original purchase price of xxxxxx and the Assignment of Contract to the borrower for the price of xxxxxx, totaling the purchase price of xxxxxx. - Seller-03/24/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase contract in file does not match purchaser/borrower name and sales price. Updated contract and addendum is required will all correct names and prices to match final CD. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Please see attached Purchase Contract for original purchase price of xxxxxx and the Assignment of Contract to the borrower for the price of xxxxxx, totaling the purchase price of xxxxxx. - Seller-03/24/2025 | Resolved-Received Assignment meeting guidelines. - Due Diligence Vendor-03/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 726<br> Months Reserves exceed minimum required - 5 months reserves exceeds 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833390 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 833403 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833405 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833411 | xxxxxx C B A | Closed | xxxxxx | 2025-03-31 15:50 | 2025-04-16 09:22 | 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. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Current primary home ownership > 10 years / Compensating Factor 2 - 0x30 for 24 months on all mortgages - Buyer-04/16/2025 <br> Open-Property Issues are identified for the property Missing photo of xxxxxx for ADU. Per guidelines xxxxxx is required for ADU. - Due Diligence Vendor-03/31/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-04/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 689.<br> Long term residence - B1 residing in primary home for 13 years | Current primary home ownership > 10 years<br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 833411 | xxxxxx C B A | Closed | xxxxxx | 2025-03-31 14:23 | 2025-04-16 08:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-reserves are not required on a rate and term with a 10% or greater P & I reduction and a 1x30x12 or better pay history. - Due Diligence Vendor-04/01/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Post close CD shows B1 getting $0 cash back. No assets were provided in the loan file. - Due Diligence Vendor-03/31/2025 |  | Resolved-reserves are not required on a rate and term with a 10% or greater P & I reduction and a 1x30x12 or better pay history. - Due Diligence Vendor-04/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 689.<br> Long term residence - B1 residing in primary home for 13 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 833417 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 05:56 | 2025-04-17 07:48 | 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-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-Provide corresponding CD for attached Settlement Statement. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Final SS included in original upload. Disbursement date of xxxxxx, rescission ended xxxxxx - Seller-04/15/2025 <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 xxxxxx. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Ready for Review-Final SS included in original upload. Disbursement date of xxxxxx, rescission ended xxxxxx - Seller-04/15/2025 | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-04/17/2025 | Qualifying DTI below maximum allowed - Maximum DTI ratio 50%, subject 17.48%. <br> Additional assets not used to qualify - 39 mos reserves; 0 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 |
| 833417 | xxxxxx C A | Closed | xxxxxx | 2025-04-11 07:46 | 2025-04-16 12:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Received new policy. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Renewed HOI uploaded - Seller-04/15/2025 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx An updated policy is required as the homeowner's in file expired prior to the note date. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Renewed HOI uploaded - Seller-04/15/2025 | Resolved-Received new policy. - Due Diligence Vendor-04/16/2025 | Qualifying DTI below maximum allowed - Maximum DTI ratio 50%, subject 17.48%. <br> Additional assets not used to qualify - 39 mos reserves; 0 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 |
| 833435 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833451 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 14:29 | 2025-05-01 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received complete addendums to Purchase contract. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. MANUAL UPLOAD. - Buyer-05/01/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing addendum for purchase price of xxxxxx - Due Diligence Vendor-04/22/2025 |  | Resolved-Received complete addendums to Purchase contract. - Due Diligence Vendor-05/01/2025 | Months Reserves exceed minimum required - 53 months reserves exceed 6 month minimum <br> Qualifying FICO score is at least 20 points above minimum for program - 777 FICO score is 20+ points above 680 minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833463 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 10:47 | 2025-04-17 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received fully executed 4506-C - Due Diligence Vendor-04/17/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing The 4506-T/4506-C is missing from the file - Due Diligence Vendor-04/11/2025 |  | Resolved-Received fully executed 4506-C - Due Diligence Vendor-04/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 738<br> Months Reserves exceed minimum required - Minimum reserves are 0 months. Borrower has 18.46 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 |
| 833463 | xxxxxx D B A | Closed | xxxxxx | 2025-04-10 09:27 | 2025-04-10 10:40 | 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-04/10/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx ----- Client waiver applied to non-material finding. - Due Diligence Vendor-04/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 738<br> Months Reserves exceed minimum required - Minimum reserves are 0 months. Borrower has 18.46 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 |
| 833466 | xxxxxx C A | Closed | xxxxxx | 2025-04-09 18:42 | 2025-04-16 10:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of xxxxxx-HOI is acceptable. - Due Diligence Vendor-04/16/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Effective date is after the note date - Due Diligence Vendor-04/09/2025 |  | Resolved-Received PCCD confirming disbursement date of xxxxxx-HOI is acceptable. - Due Diligence Vendor-04/16/2025 | Qualifying DTI below maximum allowed - 34.42% DTI; 50% max<br> CLTV is less than guidelines maximum - 75.96% CLTV; 85% max<br> Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 32.56 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 |
| 833483 | xxxxxx C A | Closed | xxxxxx | 2025-05-08 12:26 | 2025-05-22 10:54 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Deed-small estate affidavit. - Due Diligence Vendor-05/22/2025 <br> Open-Property Title Issue The prior mortgage for the subject property was vested in the name of xxxxxx and xxxxxx. Letter of explanation states that xxxxxx has passed away and deeded the property to the borrower before closing. Missing the Warranty/Grant deed supporting the transfer of ownership. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Deed-small estate affidavit. - Due Diligence Vendor-05/22/2025 | LTV is less than guideline maximum - The calculated LTV is 46.62%, guideline maximum is 80%.<br> Qualifying FICO score is at least 20 points above minimum for program - Score for grading equals 744, guideline minimum is 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 |
| 833484 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 08:07 | 2025-06-05 17:50 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material. Borrower in the same line of work for 11 years prior. Self-employed > 12 months. - Due Diligence Vendor-04/23/2025 <br> Open-Borrower 1 W2/1099 Less Than 24 Months Provided An exception was granted by the xxxxxx pg 13 to Allow for 1099 self employed less than 2 years 7/30/2023 - 1 year 8 months with 11 years in same line of work - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material. Borrower in the same line of work for 11 years prior. Self-employed > 12 months. - Due Diligence Vendor-04/23/2025 | LTV is less than guideline maximum - 80% allowed, subject 49.06%<br> Months Reserves exceed minimum required - 6 months required, subject 9.38 months | LTV/CLTV 10% or more below maximum allowed under applicable guidelines. <br> credit score 10 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 |
| 833484 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 08:46 | 2025-05-08 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received 2024 1099. - Due Diligence Vendor-05/08/2025 <br> Open-The subject loan closed xxxxxx. The 1099 for xxxxxx was a draft copy not for filing. The borrower should have received an updated copy by the time the loan closed. A non-draft copy of this 1099 would be required. - Due Diligence Vendor-04/23/2025 |  | Resolved-Received 2024 1099. - Due Diligence Vendor-05/08/2025 | LTV is less than guideline maximum - 80% allowed, subject 49.06%<br> Months Reserves exceed minimum required - 6 months required, subject 9.38 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 |
| 833495 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-04-30 12:31 | 2025-05-16 13:48 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. 5/16/25 - Manually uploading updated docs w/in xxxxxx to avoid system issues w/ Counter code. Please review. - Seller-05/16/2025 <br> Counter-Received a COC which does not resolve finding. (CDA Fee, Tax Related Service Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. 5/13/25 - Manually uploading COC thru xxxxxx to avoid issues w/ Counter code. - Seller-05/14/2025 <br> Counter-Client response: 5/13/25 - manually uploaded disclosure thru xxxxxx. Please see attached. <br> Audit Response: No docs were uploaded on 5/13/25. - Due Diligence Vendor-05/14/2025 <br> Counter-Docs provided are already in file. Section B fees (CDA Fee and Tax Related Service Fee) are paid to Lender (xxxxxx.) If fees are to remain in section B, it must state FBO (for the benefit of) to said Vendor. - Due Diligence Vendor-05/13/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (CDA Fee, Tax Related Service Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. <br> - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. 5/16/25 - Manually uploading updated docs w/in xxxxxx to avoid system issues w/ Counter code. Please review. - Seller-05/16/2025 <br> Ready for Review-Document Uploaded. 5/13/25 - Manually uploading COC thru xxxxxx to avoid issues w/ Counter code. - Seller-05/14/2025 | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-05/16/2025 | Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br> LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-04-30 12:02 | 2025-05-14 16:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx for increase in discount points fee. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-5/14/25 - Manually uploading COC thru xxxxxx to avoid issues w/ Counter code. - Buyer-05/14/2025 <br> Counter-Client response: 5/13/25 - manually uploaded disclosure thru xxxxxx. Please see attached. <br> Audit Response: No docs were uploaded on 5/13/25. - Due Diligence Vendor-05/14/2025 <br> Counter-Received LEs and CDs which are already in file, however COC for increase in Discount Points on Final CD dated xxxxxx is not in file. - Due Diligence Vendor-05/13/2025 <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 $1,462.50.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 $1,462.50 (Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,462.50, 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.<br> - Due Diligence Vendor-04/30/2025 |  | Resolved-Received COC xxxxxx for increase in discount points fee. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br> LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 09:50 | 2025-05-13 12:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Rec'd Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. 5/13/25 - manually uploading document. Please see attached. - Seller-05/13/2025 <br> Counter-Homeownership Counseling Disclosure not provided. - Due Diligence Vendor-05/13/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. 5/13/25 - manually uploading document. Please see attached. - Seller-05/13/2025 | Resolved-Rec'd Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/13/2025 | Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br> LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 09:47 | 2025-05-08 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit - Due Diligence Vendor-05/02/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-05/08/2025<br>| Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br>LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-04-30 11:06 | 2025-05-08 09:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received initial 1003 dated xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 <br> Open-The Initial 1003 is Missing Initial 1003 is missing from file - Due Diligence Vendor-04/30/2025 |  | Resolved-Received initial 1003 dated xxxxxx. Finding resolved. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br>LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-04-30 12:26 | 2025-05-08 09:32 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP, finding resolved. - Due Diligence Vendor-05/08/2025 <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-04/30/2025 |  | Resolved-Received ITP, finding resolved. - Due Diligence Vendor-05/08/2025<br>| Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br>LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 09:42 | 2025-05-06 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Borrower 1 Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-05/06/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-05/02/2025 |  | Resolved-Received Borrower 1 Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-05/06/2025<br>| Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br>LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 09:50 | 2025-05-02 10:33 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Exception Approval in file – <br> 1. Cash-out – Requesting exception for cash-out note seasoning. Borrower is a professional xxxxxx, the subject property is a xxxxxx she built for herself as a primary residence. Loan being paid out was a construction loan used to complete the construction of the property<br> - Due Diligence Vendor-05/02/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br>LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% | 1. LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 2. DTI <= 36% which is below requirement in 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 |
| 833502 | xxxxxx D B A | Closed | xxxxxx | 2025-04-30 11:17 | 2025-04-30 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-04/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/30/2025<br>| Qualifying DTI below maximum allowed - DTI = 6.89% - Max DTI = 50%<br>LTV is less than guideline maximum - LTV = 40.63% - Max LTV = 80% |  | 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 |
| 833523 | xxxxxx C A | Closed | xxxxxx | 2025-03-27 15:11 | 2025-04-11 12:57 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Lender provided proof of funds wired to title company, the bank statement the funds came from and the conversion into us dollars. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements $104k was wired to TITLE. <br> unable to determine if wire is coming from assets in xxxxxx provided in file. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Lender provided proof of funds wired to title company, the bank statement the funds came from and the conversion into us dollars. - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - LTV 70% max 75% .<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.06 ; minimum DSCR 0.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833523 | xxxxxx C A | Closed | xxxxxx | 2025-03-27 07:42 | 2025-04-11 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received source and Wire into escrow in the amount of $xxxxxx. - Audited Reserves of 12.75 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) reserves are short. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Received source and Wire into escrow in the amount of $.00. - Audited Reserves of 12.75 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/09/2025 | LTV is less than guideline maximum - LTV 70% max 75% .<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.06 ; minimum DSCR 0.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833523 | xxxxxx C A | Closed | xxxxxx | 2025-03-27 07:38 | 2025-04-09 16:56 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received Affidavit. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Affidavit of conveyances for xxxxxx Foreign national is missing. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Received Affidavit. - Due Diligence Vendor-04/09/2025 | LTV is less than guideline maximum - LTV 70% max 75% .<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.06 ; minimum DSCR 0.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833523 | xxxxxx C A | Closed | xxxxxx | 2025-03-27 07:35 | 2025-04-09 16:54 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received source and Wire into escrow in the amount of $.00. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-see documents uploaded - Seller-04/07/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-76392.63'. Assets are Insufficient. Funds to close is short. - Due Diligence Vendor-03/27/2025 | Ready for Review-see documents uploaded - Seller-04/07/2025<br>| Resolved-Received source and Wire into escrow in the amount of $.00. - Due Diligence Vendor-04/09/2025 | LTV is less than guideline maximum - LTV 70% max 75% .<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.06 ; minimum DSCR 0.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833531 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833532 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 14:18 | 2025-05-01 17:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit not required. - Due Diligence Vendor-05/01/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-04/30/2025 |  | Resolved-Gap credit not required. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - DTI 38.28% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 790 is higher than the required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833557 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 09:49 | 2025-06-06 09:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver of less than 6 months reserves applied to non material finding with comp factors. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Open-Audited Reserves of 4.53 month(s) are less than Guideline Required Reserves of 6 month(s) - Audited Reserves of 4.53 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Waived-Originator provided a waiver of less than 6 months reserves applied to non material finding with comp factors. - Due Diligence Vendor-06/06/2025 | Long term residence - Long Term Residence = 28 years<br>LTV is less than guideline maximum - LTV = 67.59% - Max LTV = 75% | LTV: 70%<75% max allowed; Loan Amount: xxxxxx<$1,000,000 allowed<br> - Long Term Residence = 28 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 833562 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833588 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833602 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833607 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833612 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 17:39 | 2025-05-01 13:16 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received documentation supporting the deposit. - Due Diligence Vendor-05/01/2025 <br> Counter-Please provide documentation to support the $45,000.00 gift was deposited into xxxxxx - Due Diligence Vendor-04/25/2025 <br> Open-Missing Gift letter, source of gift funds and proof of deposit - Due Diligence Vendor-04/17/2025 |  | Resolved-Received documentation supporting the deposit. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - 34.39% DTI is below 50% maximum <br>LTV is less than guideline maximum - 85% LTV is less than 90% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833612 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 16:37 | 2025-04-18 08:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Client waiver applied to non material finding with comp factors. Deemed non material, addendum states seller will pay taxes due, this shows on closing documents/CD.<br> - Due Diligence Vendor-04/18/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Addendum to contract is missing signatures for all parties - Due Diligence Vendor-04/17/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material, addendum states seller will pay taxes due, this shows on closing documents/CD.<br> - Due Diligence Vendor-04/18/2025 | Qualifying DTI below maximum allowed - 34.39% DTI is below 50% maximum <br>LTV is less than guideline maximum - 85% LTV is less than 90% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833618 | xxxxxx C B A | Closed | xxxxxx | 2025-04-22 11:37 | 2025-05-05 11:38 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Page 5, Note D, states there have been on transfers or conveyances in 36 months. - Due Diligence Vendor-05/05/2025 <br> Counter-Commitment provided, however it does not disclose a 24 month chain of title. - Due Diligence Vendor-05/01/2025 <br> Open-Unsatisfactory Chain of Title provided. No 24 mo chain of title provided - Due Diligence Vendor-04/22/2025 |  | Resolved-Page 5, Note D, states there have been on transfers or conveyances in 36 months. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - Guide 75%, actual 40%<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 660, actual 770. |  | 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 |
| 833618 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 13:43 | 2025-04-22 11:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted and in file. Waiver applied with comp factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Property is xxxxxx. - Due Diligence Vendor-06/05/2025 |  | Waived-Client exception granted and in file. Waiver applied with comp factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Property is xxxxxx. - Due Diligence Vendor-06/05/2025 | LTV is less than guideline maximum - Guide 75%, actual 40%<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 660, actual 770. | LTV is 10% or more below max allowed<br> Score is 30+ points > min required. <br> Residual income is more than 1.5x the amount required. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 833637 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 09:23 | 2025-06-05 17:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted for xxxxxx, waiver applied with comp factors. Appraisal comparables are of similar style and appraiser notes this is not uncommon for the area and has no negative impact on value. - Due Diligence Vendor-06/09/2025 <br> Open-xxxxxx does not have at least xxxxxx. - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted for xxxxxx, waiver applied with comp factors. Appraisal comparables are of similar style and appraiser notes this is not uncommon for the area and has no negative impact on value. - Due Diligence Vendor-06/09/2025 | On time mortgage history exceeds guideline requirement - Borr 60mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Months Reserves exceed minimum required - 319.66mos reserves. Per guides, 2 reserves required. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <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 |
| 833637 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 21:35 | 2025-05-07 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Master policy w/ $1M liability coverage for each occurrence. - Due Diligence Vendor-05/07/2025 <br> Counter-Received policy, however it is missing 1M liability - Due Diligence Vendor-05/07/2025 <br> Open-CONDO MASTER POLICY DOES NOT INCLUDE $1M liability PER OCCURANCE VERBIAGE. - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Master policy w/ $1M liability coverage for each occurrence. - Due Diligence Vendor-05/07/2025<br>| On time mortgage history exceeds guideline requirement - Borr 60mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Months Reserves exceed minimum required - 319.66mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833637 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 20:43 | 2025-05-02 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Report was located in the Zip File. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-The document was not attached as it was included in the original credit package pages 232 - 257. it is from Universal Credit Services. - Buyer-04/30/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-04/30/2025 <br> Open-Missing Third Party Fraud Report MISSING Missing Third Party Fraud Report - Due Diligence Vendor-04/22/2025 |  | Resolved-Fraud Report was located in the Zip File. - Due Diligence Vendor-05/02/2025<br>| On time mortgage history exceeds guideline requirement - Borr 60mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Months Reserves exceed minimum required - 319.66mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833637 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 21:29 | 2025-04-30 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Structural Inspection report. - Due Diligence Vendor-04/30/2025 <br> Open-Subject is missing required milestone inspection as required by xxxxxx Bill No.<br> xxxxxx. Subject Cert. of Occ was on or before xxxxxx has a xxxxxx with 3 or more stories and is :<br> 1. 30 years of age or<br> 2. 25 years of age and if located within xxxxxx - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Structural Inspection report. - Due Diligence Vendor-04/30/2025<br>| On time mortgage history exceeds guideline requirement - Borr 60mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br> Months Reserves exceed minimum required - 319.66mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833640 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 14:22 | 2025-04-10 16:50 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received updated condo questionnaire reflect the turn over date of xxxxxx - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Counter-Please provide the estimated date the Developer will turn control over to the Association. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Please tell me what you are looking for - Seller-03/28/2025 <br> Open-Builder is in control of HOA per appraisal builder is in control of HOA. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025 <br>Ready for Review-Please tell me what you are looking for - Seller-03/28/2025<br>| Resolved-Received updated condo questionnaire reflect the turn over date of xxxxxx - Due Diligence Vendor-04/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 796; minimum score 680.<br>Months Reserves exceed minimum required - 47.51 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833640 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 14:22 | 2025-04-10 16:47 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received acceptable revised appraisal. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Open-Property Issues are identified for the property Appraisal completed as is; however, photo on pdf 930 shows that the xxxxxx for this xxxxxx unit. Property Issues are identified for the property Appraisal completed as is; however, photo on pdf 930 shows that the xxxxxx unit. Appraisal notes subject xxxxxx and xxxxxx; however photos included xxxxxx page 885. xxxxxxcation required and appraisal to be updated if applicable. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Received acceptable revised appraisal. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 796; minimum score 680.<br>Months Reserves exceed minimum required - 47.51 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833640 | xxxxxx D A | Closed | xxxxxx | 2025-03-27 14:34 | 2025-04-01 15:52 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Upon further review an updated questionnaire is not required. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-xxxxxx units sold and closed. xxxxxx units under contract. xxxxxx units are part of the xxxxxx and not for sale. (see appraisal) xxxxxx = xxxxxx per questionnaire. <br> xxxxxx units are investor owners. xxxxxx units are xxxxxx. xxxxxx units are part of the xxxxxx and not for sale. (see appraisal) xxxxxx = xxxxxx per questionnaire. <br> - Seller-03/28/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Missing questionnaire with corrected units. Questionnaire notes xxxxxx units with xxxxxx sold and closed and xxxxxx under sales contract for a total of xxxxxx. For the xxxxxx under contract, it is noted that xxxxxx units not under contract. xxxxxx are noted as investor owned and xxxxxx to second owners. Audit is unable to add up to the xxxxxx total. - Due Diligence Vendor-03/27/2025 | Ready for Review-xxxxxx units sold and closed. xxxxxx units under contract. xxxxxx units are part of the xxxxxx and not for sale. (see appraisal) xxxxxx per questionnaire. <br> xxxxxx units are investor owners. xxxxxx units are xxxxxx homes. xxxxxx units are part of the xxxxxx and not for sale. (see appraisal) xxxxxx per questionnaire. <br> - Seller-03/28/2025 | Resolved-Upon further review an updated questionnaire is not required. - Due Diligence Vendor-04/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 796; minimum score 680.<br>Months Reserves exceed minimum required - 47.51 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833669 | xxxxxx C A B | Closed | xxxxxx | 2025-05-05 19:27 | 2025-05-15 14:11 | Resolved | 1 - Information B A | Credit | Income/Employment | Borrower 3 Paystubs Less Than 1 Month Provided | Resolved-After further review, the paystubs provided cover 30 days of YTD income as required by the guides. - Due Diligence Vendor-05/15/2025 <br> Counter-Paystub provided is insufficient as it does not confirm the most recent 30 days prior to close. Finding remains. - Due Diligence Vendor-05/14/2025 <br> Open-Borrower 3 Paystubs Less Than 1 Month Provided Per guides, for 2-Year Full Income Documentation - Salaried Borrowers require the following income documentation: "Most recent paystubs covering 30 days; Most recent 2-years' W-2s; Most recent 2-years' W-2 transcripts." The loan file contains only 1 bi-weekly paystub for B3. An additional paystub is needed. Additional conditions may apply. - Due Diligence Vendor-05/05/2025 |  | Resolved-After further review, the paystubs provided cover 30 days of YTD income as required by the guides. - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 qualifying FICO score, 680 minimum score required.<br>LTV is less than guideline maximum - 80% LTV ratio, 90% maximum LTV allowed.<br>Months Reserves exceed minimum required - Borrowers verified 150.83 months of PITIA reserves, 3 months minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 833669 | xxxxxx C A B | Closed | xxxxxx | 2025-05-02 15:45 | 2025-05-06 08:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD includes $271.00 credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-05/06/2025 <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 $271.00.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 includes $271.00 credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-05/02/2025 |  | Resolved-Final CD includes $271.00 credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 qualifying FICO score, 680 minimum score required.<br>LTV is less than guideline maximum - 80% LTV ratio, 90% maximum LTV allowed.<br>Months Reserves exceed minimum required - Borrowers verified 150.83 months of PITIA reserves, 3 months minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 833671 | xxxxxx B A | Closed | xxxxxx | 2025-05-01 09:57 | 2025-05-02 11:30 | Resolved | 1 - Information B A | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Resolved-Upon further review nothing further required. Finding Resolved. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Based on the application date, the Home Loan Toolkit was provided within 3 days excluding weekends. Weekends are not counted. - Seller-05/02/2025 <br>Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). - Due Diligence Vendor-05/01/2025 | Ready for Review-Based on the application date, the Home Loan Toolkit was provided within 3 days excluding weekends. Weekends are not counted. - Seller-05/02/2025<br>| Resolved-Upon further review nothing further required. Finding Resolved. - Due Diligence Vendor-05/02/2025<br>| Qualifying DTI below maximum allowed - DTI 25.61% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 790 FICO; 680 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833688 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833703 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 833722 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833724 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 833750 | xxxxxx C B A | Closed | xxxxxx | 2025-04-22 17:49 | 2025-05-01 13:08 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice. - Due Diligence Vendor-05/01/2025 <br> Open-Subject Property is in Flood Zone A but Notice of Special Flood Hazard Disclosure was not provided Notice of Special Flood Hazard Disclosure was not provided. - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Notice. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - DTI of 20.33% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 37.47 exceeds the minimum required of 6 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 |
| 833750 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 14:21 | 2025-04-21 14:21 | 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-04/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/21/2025<br>| Qualifying DTI below maximum allowed - DTI of 20.33% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 37.47 exceeds the minimum required of 6 months |  | 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 |
| 833791 | xxxxxx C B A | Closed | xxxxxx | 2025-05-09 09:49 | 2025-05-20 10:45 | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-Received revised appraisal reflecting PUD and HOA dues. - Due Diligence Vendor-05/20/2025 <br>Open-Appraisal does not reflect appraisal as a PUD (PUD Rider provided as well as subject being reflected as a PUD on title. Missing revised appraisal. - Due Diligence Vendor-05/13/2025 |  | Resolved-Received revised appraisal reflecting PUD and HOA dues. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 723 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 85% and max allowed is 90% |  | 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 |
| 833791 | xxxxxx C B A | Closed | xxxxxx | 2025-05-12 12:04 | 2025-05-13 10:06 | 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 borrower has a 2 year S/E history verified via CPA letter; just not w/current job. - Due Diligence Vendor-06/05/2025 <br> Open-Exception in file: Borrower has been S/E since 2021 however current business is < 2 years - Due Diligence Vendor-05/13/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as borrower has a 2 year S/E history verified via CPA letter; just not w/current job. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 723 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 85% and max allowed is 90% | -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 |
| 833804 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 15:26 | 2025-06-05 17:41 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-The request for an exception to xxxxxx's eligibility criteria is granted for insufficient insurance coverage. Waiver applied to non-material finding as borrower has sufficient excess reserves to cover the approximately $10,513 in shortage of roof replacement coverage. - Due Diligence Vendor-05/13/2025 <br> Counter-RCE provided, however the policy does not meet xxxxxx guidelines due to the limitation on roof loss settlement. - Due Diligence Vendor-04/23/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Lender guides follows xxxxxx requirements. Per xxxxxx policies that limit, depreciate, reduce or otherwise settle losses at anything other than a replacement cost basis are also not acceptable. B1 HOI policy has limitations on roof loss settlement. Per HOI policy currently loss percentage is 76% - Due Diligence Vendor-04/15/2025 |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted for insufficient insurance coverage. Waiver applied to non-material finding as borrower has sufficient excess reserves to cover the approximately $10,513 in shortage of roof replacement coverage. - Due Diligence Vendor-05/13/2025<br>| LTV is less than guideline maximum - Guidelines allow LTV to 85%. Subject loan LTV is 72.73%.<br>Months Reserves exceed minimum required - Verified assets of 9.28 exceeds the minimum required of 3 months | Current primary home ownership > 10 years <br> Residual income more than 2.5x the amount required by guidelines<br> Compensating Factor 3 - Self-employed for > 5 years | 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 |
| 833807 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 833808 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 833824 | xxxxxx D A | Closed | xxxxxx | 2025-04-23 08:30 | 2025-05-05 15:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage provided with legal description and 2 notary page. - Due Diligence Vendor-05/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Missing Legal Description<br> - Notary page is missing borrower 2 - Due Diligence Vendor-04/23/2025 |  | Resolved-Mortgage provided with legal description and 2 notary page. - Due Diligence Vendor-05/05/2025<br>| Qualifying DTI below maximum allowed - 36.04% DTI is below 50% maximum<br>LTV is less than guideline maximum - 35.83% LTV is less than 80% guideline maximum |  | 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 |
| 833824 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 09:56 | 2025-05-02 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received title report reflecting sufficient coverage. - Due Diligence Vendor-05/02/2025 <br>Open-Title Document is Incomplete Missing title supplement for insured loan amount - Due Diligence Vendor-04/24/2025 |  | Resolved-Received title report reflecting sufficient coverage. - Due Diligence Vendor-05/02/2025<br>| Qualifying DTI below maximum allowed - 36.04% DTI is below 50% maximum<br>LTV is less than guideline maximum - 35.83% LTV is less than 80% guideline maximum |  | 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 |
| 833824 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 10:45 | 2025-05-01 17:23 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-UDN provided. - Due Diligence Vendor-05/01/2025 <br>Counter-UDM report does not reflect as joint and please provide report dated within 10 days of closing or post. - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/24/2025 |  | Resolved-UDN provided. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - 36.04% DTI is below 50% maximum<br>LTV is less than guideline maximum - 35.83% LTV is less than 80% guideline maximum |  | 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 |
| 833824 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 10:45 | 2025-05-01 17:23 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDN provided. - Due Diligence Vendor-05/01/2025 <br>Counter-UDM report does not reflect as joint and please provide report dated within 10 days of closing or post. - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/24/2025 |  | Resolved-UDN provided. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - 36.04% DTI is below 50% maximum<br>LTV is less than guideline maximum - 35.83% LTV is less than 80% guideline maximum |  | 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 |
| 833849 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833857 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 12:07 | 2025-05-05 08:46 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received HOC dated xxxxxx. Finding resolved. - Due Diligence Vendor-05/05/2025 <br> Counter------ HOC in file dated xxxxxx. Missing Homeownership Counseling Organization documentation received within 3 days of application date of xxxxxx. Finding remains. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. See initial LE provided for condition code xxxxxx - Seller-04/30/2025 <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 compa settings business days profile page:NonePlease note: This test does not validate the content of a list of homeownership counseling organizations. -----eSign Process in file reflects application date of xxxxxx. Missing Initial doc dated within three days of application date. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. See initial LE provided for condition code xxxxxx - Seller-04/30/2025 | Resolved-Received HOC dated xxxxxx. Finding resolved. - Due Diligence Vendor-05/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, borrower 753.<br>Qualifying DTI below maximum allowed - Guide 50%, actual 34%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833857 | xxxxxx C A | Closed | xxxxxx | 2025-04-21 08:13 | 2025-04-25 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 <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 $7,499.64.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). -----eSign Process in file reflects application date of xxxxxx. Missing Initial LE dated within three days of application date. Unable to test tolerance correctly.<br> - Due Diligence Vendor-04/21/2025 |  | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, borrower 753.<br>Qualifying DTI below maximum allowed - Guide 50%, actual 34%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833857 | xxxxxx C A | Closed | xxxxxx | 2025-04-21 08:13 | 2025-04-25 07:52 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 <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 a 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, xxxxxx and xxxxxx. Per lock, rate was locked xxxxxx. Loan was not disclosed till xxxxxx. - Due Diligence Vendor-04/21/2025 |  | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, borrower 753.<br>Qualifying DTI below maximum allowed - Guide 50%, actual 34%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833857 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 12:07 | 2025-04-25 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 <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, a 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 compa 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. ----------eSign Process in file reflects application date of xxxxxx. Missing Initial doc dated within three days of application date. - Due Diligence Vendor-04/22/2025 |  | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, borrower 753.<br>Qualifying DTI below maximum allowed - Guide 50%, actual 34%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833857 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 12:07 | 2025-04-25 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 <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% ($3,498.40) 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). -----eSign Process in file reflects application date of xxxxxx. Missing Initial LE dated within three days of application date. Unable to test tolerance correctly. - Due Diligence Vendor-04/22/2025 |  | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, borrower 753.<br>Qualifying DTI below maximum allowed - Guide 50%, actual 34%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833857 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 12:07 | 2025-04-25 07:52 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)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 §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the 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 compa settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ----------eSign Process in file reflects application date of xxxxxx. Missing Initial doc dated within three days of application date. - Due Diligence Vendor-04/22/2025 |  | Resolved-----Received initial LE xxxxxx and SPL xxxxxx. Finding resolved. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, borrower 753.<br>Qualifying DTI below maximum allowed - Guide 50%, actual 34%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833862 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 833916 | xxxxxx C B A | Closed | xxxxxx | 2025-04-22 14:51 | 2025-05-01 09:48 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PC Settlement Statement xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-05/01/2025 <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-04/22/2025 |  | Resolved-Received PC Settlement Statement xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-05/01/2025 | Qualifying DTI below maximum allowed - DTI of 37.22% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 788 is higher than the minimum FICO required of 680<br>Months Reserves exceed minimum required - Verified assets of 25.02 exceeds the minimum required of 6 months |  | 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 |
| 833916 | xxxxxx C B A | Closed | xxxxxx | 2025-04-23 15:19 | 2025-04-23 17:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Property Issues are identified for the property Exception in file to allow xxxxxx with completed xxxxxx Inspection but noted recommended xxxxxx that does not affect property Unit xxxxxx and xxxxxx which also does not affect the subject buidling. There are no concerns with structure or livability - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - DTI of 37.22% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 788 is higher than the minimum FICO required of 680<br>Months Reserves exceed minimum required - Verified assets of 25.02 exceeds the minimum required of 6 months | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Transaction is a rate and term refinance | 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 |
| 833916 | xxxxxx C B A | Closed | xxxxxx | 2025-04-23 15:16 | 2025-04-23 17:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br>Open-Audited LTV of 77.42% exceeds Guideline LTV of 75% Exception in file to allow LTV over 75% for P%L program for rate and term transaction. - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - DTI of 37.22% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 788 is higher than the minimum FICO required of 680<br>Months Reserves exceed minimum required - Verified assets of 25.02 exceeds the minimum required of 6 months | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> Transaction is a rate and term refinance | 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 |
| 833919 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 13:05 | 2025-05-01 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOE. - Due Diligence Vendor-05/01/2025 <br>Open-A cash out letter from the borrower was not identified in the file. - Due Diligence Vendor-04/22/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Score requires, subject 784<br>Months Reserves exceed minimum required - 6 months required, subject 88 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833919 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 17:00 | 2025-05-01 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received Final CD. - Due Diligence Vendor-05/01/2025 <br> Open-Missing verification of terms/PITIA of new mortgage for property xxxxxx on 1003 - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Final CD. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Score requires, subject 784<br>Months Reserves exceed minimum required - 6 months required, subject 88 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 833933 | xxxxxx C A | Closed | xxxxxx | 2025-04-08 10:22 | 2025-04-15 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Upon further review, non-warrantable condo guideline requirements have been met. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. property is a non-warrantable condo - this condition does not apply - Seller-04/14/2025 <br> Open- 1. Guidelines require project or subject phase must be 100% complete. Project is not 100% complete per questionnaire II(1) pg 489 2. Overlay requires that 50% of the total units in a new project or subject's phase must be sold and conveyed. Questionnaire notes xxxxxx of xxxxxx units, or 45%, have been sold and conveyed pg 490 - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. property is a non-warrantable condo - this condition does not apply - Seller-04/14/2025 | Resolved-Upon further review, non-warrantable condo guideline requirements have been met. - Due Diligence Vendor-04/15/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.069 DSCR exceeds minimum.<br>Months Reserves exceed minimum required - 15 months > 6 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833934 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 10:07 | 2025-05-14 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | ARM Disclosure Missing | Resolved-AM rider not required. - Due Diligence Vendor-05/14/2025 <br>Open-Missing ARM Rider to Mortgage. - Due Diligence Vendor-04/18/2025 |  | Resolved-AM rider not required. - Due Diligence Vendor-05/14/2025<br>| Months Reserves exceed minimum required - 18.09 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.502; minimum is 0.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833934 | xxxxxx D A | Closed | xxxxxx | 2025-04-21 11:59 | 2025-05-14 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Affidavit was provided. - Due Diligence Vendor-05/14/2025 <br>Open-Florida Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-04/21/2025 |  | Resolved-Affidavit was provided. - Due Diligence Vendor-05/14/2025<br>| Months Reserves exceed minimum required - 18.09 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.502; minimum is 0.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833934 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 10:44 | 2025-04-23 10:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, the loan file meets LTV requirements based on variance. - Due Diligence Vendor-04/23/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV/CLTV 65% due to DSCR < 1 - Due Diligence Vendor-04/22/2025 |  | Resolved-Upon further review, the loan file meets LTV requirements based on variance. - Due Diligence Vendor-04/23/2025<br>| Months Reserves exceed minimum required - 18.09 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.502; minimum is 0.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 14:35 | 2025-05-20 10:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Received 6 months statements. - Due Diligence Vendor-05/20/2025 <br>Counter-6 months statements are required by the guidelines. Please provide a client approved exception. - Due Diligence Vendor-05/14/2025 <br>Open-Asset 7 Does Not Meet Guideline Requirements Provide 6 months statements for Asset #7. Exclusion of these assets from income calc, results in excessive DTI. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received 6 months statements. - Due Diligence Vendor-05/20/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 11:58 | 2025-05-14 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx with proof of delivery to borrower electronically on xxxxxx. - Due Diligence Vendor-05/14/2025 <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 receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received CD xxxxxx with proof of delivery to borrower electronically on xxxxxx. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 11:58 | 2025-05-14 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Initial LE xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 <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 $2,916.50.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 $2,916.50 (Origination Fee, Appraisal, Credit Report Fee, Verication 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 $2,916.50 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.<br> - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Initial LE xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial LE xxxxxx. - Due Diligence Vendor-05/14/2025 <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, a 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 compa settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Per xxxxxx in file, application date is xxxxxx. 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-04/25/2025 |  | Resolved-Received Initial LE xxxxxx. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received SPL dated xxxxxx. - Due Diligence Vendor-05/14/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)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 §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the 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 compa settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). Per xxxxxx in file, application date is xxxxxx. Missing Service Provider list dated within 3 days of Application date. Additional Findings may apply upon receipt. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received SPL dated xxxxxx. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeownership Counselor list dated xxxxxx. - Due Diligence Vendor-05/14/2025 <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 compa settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the compa settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the compa's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of a list of homeownership counseling organizations. ----Per xxxxxx in file, application date is xxxxxx. Missing HomeownershipCounseling Organization disclosure dated within 3 days of Application date. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Homeownership Counselor list dated xxxxxx. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 13:27 | 2025-05-14 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Initial LE xxxxxx and SPL dated xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 <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% ($6,865.20) 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). Ten (10%) tolerance fees (Title fees) increased by $6,865.20 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 $6,865.20, 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-04/25/2025 |  | Resolved-Received Initial LE xxxxxx and SPL dated xxxxxx. No tolerance violation found. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 833948 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 14:26 | 2025-05-08 15:45 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-05/08/2025 <br> Counter-Received evidence of receipt of Home Loan Toolkit, finding remains. - Due Diligence Vendor-05/08/2025 <br> Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). - Due Diligence Vendor-04/28/2025 |  | Waived------ Client waiver applied to non-material finding. - Due Diligence Vendor-05/08/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 43.9%<br>Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 244m. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 833973 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834020 | xxxxxx C A | Closed | xxxxxx | 2025-04-02 19:40 | 2025-04-15 11:13 | 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-04/15/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement page reflecting final loan amount - Due Diligence Vendor-04/02/2025 |  | Resolved-Received Supplement w/sufficient coverage. - Due Diligence Vendor-04/15/2025<br>| Months Reserves exceed minimum required - 101 months reserves. Per guides, 2 reserves required.<br>DSCR % greater than 1.20 - DSCR 1.667. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834028 | 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 |  |  |  |
| 834031 | xxxxxx C A | Closed | xxxxxx | 2025-04-09 09:26 | 2025-04-21 09:51 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-This restriction is not in the Versus guides. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. LOE and PPP reuploaded - Buyer-04/21/2025 <br>Open-Note does not contain require MD disclosure: Choice of Law - Title 12, Subtitle 10 Credit Grantor provisions - Due Diligence Vendor-04/09/2025 |  | Resolved-This restriction is not in the Versus guides. - Due Diligence Vendor-04/21/2025<br>| Months Reserves exceed minimum required - 4 months > 2 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 699; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834035 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 12:01 | 2025-04-25 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-04/25/2025 <br> Open-OFAC Check Not Completed and/or Cleared for the Underwriter.Provide documentation to support all red alerts reflecting on the fraud Report. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. Uploading the Fraud Report and OFAC with everything cleared. xxxxxx. - Seller-04/23/2025 | Ready for Review-Document Uploaded. Uploading the Fraud Report and OFAC with everything cleared. xxxxxx. - Seller-04/23/2025<br>| Resolved-Received Alerts Summary with cleared alerts. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 660.<br>Months Reserves exceed minimum required - 4.96 mos reserves; 2 mos required<br>Qualifying DTI below maximum allowed - 39.14% DTI; 50% max allowed<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income. Residual income =$$8,994.68 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834040 | xxxxxx C A | Closed | xxxxxx | 2025-05-06 13:14 | 2025-05-27 10:21 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received 1004D w/ boards removed. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br> Open-Appraiser to address the following potential safety hazard issues:<br> 1. xxxxxx (Photo PDF 270) is boarded xxxxxx.<br> 2. xxxxxx (photo PDF 275) has xxxxxx.<br> 3. xxxxxx (Photo PDF 270) has a board on xxxxxx.<br>- Due Diligence Vendor-05/06/2025 |  | Resolved-Received 1004D w/ boards removed. - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - 7.81 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - 16.48% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834040 | xxxxxx C A | Closed | xxxxxx | 2025-05-06 13:28 | 2025-05-27 10:21 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received update appraisal. Appraiser states no safety issues with the xxxxxx or xxxxxx and xxxxxx. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br> Open-1. Appraiser to comment if location of xxxxxx (photo PDF 270) is a safety issue due to open access.<br> 2. Appraiser to comment if location of xxxxxx photo (PDF 271) is a safety issue due to open access. - Due Diligence Vendor-05/06/2025 |  | Resolved-Received update appraisal. Appraiser states no safety issues with the xxxxxx. - Due Diligence Vendor-05/27/2025 | Months Reserves exceed minimum required - 7.81 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - 16.48% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834044 | xxxxxx C A | Closed | xxxxxx | 2025-04-17 11:30 | 2025-05-01 11:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-05/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to DOT. - Due Diligence Vendor-04/17/2025 |  | Resolved-Received DOT w/Legal - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - DTI of 10.3% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 45.2 exceeds the minimum required of 6 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 834109 | xxxxxx C A | Closed | xxxxxx | 2025-04-28 15:06 | 2025-05-02 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit update and confirmation 2nd lien paid off xxxxxx - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. (1),(3) - Please see attached the refresh credit report which shows subject 1st lien payment for March and REO xxxxxx payment for Feb. (2) Please see attached the settlement statement. $ xxxxxx was paid off when the borrower refinanced back in January xxxxxx, which was more than a year ago.<br> Mortgage history is not required.<br> - Seller-05/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence (1) Subject 1st lien timely payment for March (2) Subject 2nd lien for $ xxxxxxk taken xxxxxx shown on the title report (and subsequently noted that it will not show on the final title policy through supplement) was paid in full prior to the most recent 12-months. If paid within the most recent 12-months must provide payment history showing timely payments. Lien is not reporting on the borrower's credit. (3) REO xxxxxx timely payment for February. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. (1),(3) - Please see attached the refresh credit report which shows subject 1st lien payment for March and REO xxxxxx payment for Feb. (2) Please see attached the settlement statement. $400,000 was paid off when the borrower refinanced back in January 2024, which was more than a year ago.<br> Mortgage history is not required.<br> - Seller-05/01/2025 | Resolved-Received credit update and confirmation 2nd lien paid off xxxxxx - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781; minimum required 680<br>Months Reserves exceed minimum required - Qualifying reserves 30 months; minimum required 2 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 |
| 834142 | xxxxxx B A | Closed | xxxxxx | 2025-03-26 12:12 | 2025-03-28 10:01 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-03/28/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008/Approval <br> - Due Diligence Vendor-03/27/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-03/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 765 is higher than 640 program minimum <br>Months Reserves exceed minimum required - Reserves 3.56 is higher than minimum required 2 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 834160 | xxxxxx C A | Closed | xxxxxx | 2025-05-06 15:11 | 2025-05-08 14:22 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Lender credit in the amount of $112.00 was issued on CD xxxxxx for increase in fees above legal limit. Resolved - Due Diligence Vendor-05/08/2025 <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 $112.00.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). -----Lender credit in the amount of $112.00 was issued on CD xxxxxx for increase in fees above legal limit. Resolved - Due Diligence Vendor-05/06/2025 |  | Resolved------Lender credit in the amount of $112.00 was issued on CD xxxxxx for increase in fees above legal limit. Resolved - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 803<br>Months Reserves exceed minimum required - Min 3, actual 175 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 834161 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 19:17 | 2025-04-16 10:55 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/16/2025 <br> Open-xxxxxx, Incident Period: xxxxxx, Individual and Public Assistance-PDI Required<br> - Due Diligence Vendor-04/07/2025 |  | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - 757 FICO, 680 required<br>LTV is less than guideline maximum - 62% LTV, program allows to 80% |  | 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 |
| 834161 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 19:45 | 2025-04-14 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Per the lender guides, the fidelity insurance is not required on projects with less than 20 units. - Due Diligence Vendor-04/14/2025 <br> Counter-Received Condo Master-missing confirmation of acceptable Fidelity Coverage and amount of building coverage and replacement. - Due Diligence Vendor-04/10/2025 <br> Open-Missing Condo Master Insurance Policy Subject to review of sufficient coverage<br> - Due Diligence Vendor-04/07/2025 |  | Resolved-Per the lender guides, the fidelity insurance is not required on projects with less than 20 units. - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 FICO, 680 required<br>LTV is less than guideline maximum - 62% LTV, program allows to 80% |  | 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 |
| 834161 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 19:40 | 2025-04-10 09:59 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. - Due Diligence Vendor-04/10/2025 <br>Open-Additional valuation product has not been provided. A secondary valuation product is required - Due Diligence Vendor-04/07/2025 |  | Resolved-Received Desk Review. - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 FICO, 680 required<br>LTV is less than guideline maximum - 62% LTV, program allows to 80% |  | 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 |
| 834161 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 10:03 | 2025-04-07 11:26 | 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-04/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-04/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 FICO, 680 required<br>LTV is less than guideline maximum - 62% LTV, program allows to 80% |  | 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 |
| 834163 | xxxxxx C A | Closed | xxxxxx | 2025-04-25 10:59 | 2025-05-09 14:15 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Updated appraisal report provided. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Uploading correct appraisal. The xxxxxx photos on the first appraisal also only showed the xxxxxx and xxxxxx and 2nd appraisal also has picture of xxxxxx and xxxxxx just at a different angle and both appraisal xxxxxx shows xxxxxx. - Seller-05/08/2025 <br> Counter-2nd appraisal received-appraiser indicates subject as xxxxxx. 1st appraisal noted xxxxxx. 2nd appraiser (xxxxxx) to clarify. xxxxxx photos appear incomplete. 2nd appraiser to confirm xxxxxx. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. 2nd appraisal report - Seller-05/05/2025 <br> Open-Two or more full valuation products were not provided.' Per the guidelines loan amounts exceeding $2,000,000 require a 2nd full appraisal, subject loan amount is xxxxxx, missing the 2nd full appraisal. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Uploading correct appraisal. The xxxxxx photos on the first appraisal also only showed the xxxxxx and 2nd appraisal also has picture of xxxxxx just at a different angle and both appraisal xxxxxx. - Seller-05/08/2025 <br> Ready for Review-Document Uploaded. 2nd appraisal report - Seller-05/05/2025 | Resolved-Updated appraisal report provided. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 803, guideline minimum is 720.<br>Qualifying DTI below maximum allowed - The calculated DTI is 11.06%, maximum allowed per the guidelines equal 50%.<br>Months Reserves exceed minimum required - Verified reserves 65 months. guidelines require 2 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 |
| 834175 | xxxxxx D A C | Closed | xxxxxx | 2025-04-28 15:32 | 2025-05-05 10:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete Security Instrument with notary. - Due Diligence Vendor-05/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary Missing used the Note day to complete the Notary date section - Due Diligence Vendor-04/28/2025 |  | Resolved-Received complete Security Instrument with notary. - Due Diligence Vendor-05/05/2025<br>| Qualifying DTI below maximum allowed - DTI 37.45% is lower than allowable 50%<br>CLTV is less than guidelines maximum - CLTV 62.56% is lower than maximum 85% |  | 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 |
| 834175 | xxxxxx D A C | Closed | xxxxxx | 2025-04-28 15:42 | 2025-05-05 08:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates, finding resolved. - Due Diligence Vendor-05/05/2025 <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-04/29/2025 |  | Resolved-Received lender attestation to no affiliates, finding resolved. - Due Diligence Vendor-05/05/2025<br>| Qualifying DTI below maximum allowed - DTI 37.45% is lower than allowable 50%<br>CLTV is less than guidelines maximum - CLTV 62.56% is lower than maximum 85% |  | 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 |
| 834179 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 14:07 | 2025-05-01 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit not required. - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Provide the required GAP report - Due Diligence Vendor-04/25/2025 |  | Resolved-Gap credit not required. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - DTI 43.83% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 80% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 809 is higher than the required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 834199 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 15:32 | 2025-04-28 11:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, the Items are Deposited Item Return. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Please escalate. We should not need an additional explanation from the borrower to explain this situation. These are NOT the borrower's NSFs. These are returned items from clients that paid the borrower on the payee side. For example, on the bank statement dated 3/30 to 4/30/2025 acct xxxxxx page 17 of 18, the item is clearly not a NSF that the borrower called. This is a 'deposited item returned' meaning the party that wrote the check to our borrower caused the check to be returned and the memo is because it was a NSF on their side. The check# is xxxxxx which is not in alignment at all to the check#s the borrower writes on page 12 that are xxxxxx AND xxxxxx. This is not our borrower's check nor our borrower's NSF. In addition, this account has a high balance and a significant amounts. There is a sufficient bank balance every month. Each month is similar with deposited items being returned that are not in alignment with checks our borrower writes. When these checks are returned, the borrower already has sufficient balances to cover expenses without the receipts of these payments; therefore, there is no concern about a negative balance. Please escalate to clear this as it's logical. xxxxxx. - Buyer-04/28/2025 <br> Counter-Please provide the LOE from the borrower for review. - Due Diligence Vendor-04/21/2025 <br> Open-Income and Employment Do Not Meet Guidelines Non-sufficient funds (NSF) reflected on the bank statements. Subject xxxxxx 12mos bank statements used for SE calc. 9 NSFs reported between 3/2024 - 2/2025 (none rolling). PER GUIDES PG32: in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. No LOE in file. - Due Diligence Vendor-04/10/2025 |  | Resolved-Upon further review, the Items are Deposited Item Return. - Due Diligence Vendor-04/28/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 2.29%. Per guides, maximum DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 777. Per guides, minimum score required 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834208 | xxxxxx C A | Closed | xxxxxx | 2025-05-08 11:11 | 2025-05-14 16:31 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap report provided dated 4/28/25 - no new debt. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/12/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap is > 10 days - Due Diligence Vendor-05/09/2025 |  | Resolved-Gap report provided dated 4/28/25 - no new debt. - Due Diligence Vendor-05/14/2025 | Months Reserves exceed minimum required - 60 months PITIA reserves; 0 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 17%; max permitted 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 |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-30 11:18 | 2025-05-02 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-05/02/2025 <br> Open-\*New\* Please provide an LOE for the inquiry on xxxxxx reporting on the Gap Report. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received LOE - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 13:14 | 2025-05-01 10:58 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Rec'd PCCD issued xxxxxx. Credit Report Fee is FBO Cisco Credit. Finding Resolved. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. xxxxxx - manually uploading PCCD condition to xxxxxx. Counter coding causing condition bounceback. - Buyer-04/30/2025 <br> Counter-Received PCCD, section B Credit Report fee does include the FBO but still states the fee is paid to the broker. Fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Finding remains. - Due Diligence Vendor-04/30/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Credit Report Fee in section B is payable to Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 1 Year: xxxxxx - Due Diligence Vendor-04/21/2025 |  | Resolved-Rec'd PCCD issued xxxxxx. Credit Report Fee is FBO xxxxxx Credit. Finding Resolved. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-22 17:24 | 2025-04-30 11:21 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Housing payment need to be current within 45 days of application date. - Due Diligence Vendor-04/25/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of the xxxxxx payments for the xxxxxx and Freedom Mortgage loans was not identified in the file. - Due Diligence Vendor-04/22/2025 |  | Resolved-Housing payment need to be current within 45 days of application date. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-22 17:24 | 2025-04-30 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing The Gap credit report was not identified in the file. - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-22 17:24 | 2025-04-30 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/30/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/23/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 12:57 | 2025-04-30 07:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Collateral Protection Notice is Present or Not Applicable Received Collateral Protection Notice, finding resolved. - Due Diligence Vendor-04/30/2025 <br>Open-Collateral Protection Notice is Missing -----Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-04/21/2025 |  | Resolved-Collateral Protection Notice is Present or Not Applicable Received Collateral Protection Notice, finding resolved. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 10:14 | 2025-04-25 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Commission Disbursement Authorization Request disclosing the credit to the buyer. - Due Diligence Vendor-04/25/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing addendum for seller paid closing costs to match amount listed on Final CD as "Rebate Credit" - Due Diligence Vendor-04/23/2025 |  | Resolved-Received Commission Disbursement Authorization Request disclosing the credit to the buyer. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834219 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 12:57 | 2025-04-21 13:18 | 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-04/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 Score required, subject 787<br>Months Reserves exceed minimum required - 6 months required, subject 8.92 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834244 | xxxxxx C A | Closed | xxxxxx | 2025-04-09 19:57 | 2025-04-17 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Upon further review, PPP is allowable in the state of Delaware - Due Diligence Vendor-04/17/2025 <br>Open-Prepayment Penalty is not allowed. Delaware does not allow a prepayment penalty for commercial or business purpose loans. - Due Diligence Vendor-04/09/2025 |  | Resolved-Upon further review, PPP is allowable in the state of Delaware - Due Diligence Vendor-04/17/2025<br>| Long term residence - 16 Years<br>LTV is less than guideline maximum - LTV 60% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834246 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 11:13 | 2025-04-29 11:52 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received lock. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Loading the xxxxxx lock directly to xxxxxx. - Seller-04/25/2025 <br> Counter-Lock on xxxxxx was not attached. Please re-attach. - Due Diligence Vendor-04/25/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documents - 2 year full doc, only 1 year tax returns provided - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Loading the xxxxxx lock directly to xxxxxx. - Seller-04/25/2025 | Resolved-Received lock. - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - 265 months reserves exceed 6 month minimum<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834246 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 12:36 | 2025-04-29 11:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received Lock reflect 1 year full doc and dated prior to close. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Loading the xxxxxx lock directly to xxxxxx. - Seller-04/25/2025 <br> Counter-Lock on xxxxxx was not attached. Please re-attache - Due Diligence Vendor-04/25/2025 <br> Open-Income 1 Months Income Verified is Missing Per tape full doc 2 years - Only recieved 1 year income - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Loading the xxxxxx lock directly to xxxxxx. - Seller-04/25/2025 | Resolved-Received Lock reflect 1 year full doc and dated prior to close. - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - 265 months reserves exceed 6 month minimum<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834246 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 11:02 | 2025-04-25 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, LOE was not required. - Due Diligence Vendor-04/25/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/23/2025 |  | Resolved-Upon further review, LOE was not required. - Due Diligence Vendor-04/25/2025<br>| Months Reserves exceed minimum required - 265 months reserves exceed 6 month minimum<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834246 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 12:01 | 2025-04-25 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax verification - Due Diligence Vendor-04/25/2025 <br>Open-Missing Evidence of Property Tax Per tax bill in the file taxes verified to be higher, lender to provide evidence of the document used to determine taxes - Due Diligence Vendor-04/23/2025 |  | Resolved-Received tax verification - Due Diligence Vendor-04/25/2025<br>| Months Reserves exceed minimum required - 265 months reserves exceed 6 month minimum<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834246 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 14:59 | 2025-04-22 12:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Fired in error. - Due Diligence Vendor-04/22/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Fired in error. - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - 265 months reserves exceed 6 month minimum<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834246 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 14:59 | 2025-04-21 17:38 | 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-04/21/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/21/2025<br>| Months Reserves exceed minimum required - 265 months reserves exceed 6 month minimum<br>LTV is less than guideline maximum - 75% LTV is less than 80% guideline max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834254 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 08:47 | 2025-05-08 10:26 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD xxxxxx, LOX, copy of check and evidence of delivery. Finding cured - Due Diligence Vendor-05/08/2025 <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 $56.00.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 $56 (xxxxxx) 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 $56, 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-04/29/2025 |  | Cured-Received PCCD xxxxxx, LOX, copy of check and evidence of delivery. Finding cured - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 783.<br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 33 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834265 | xxxxxx C B A | Closed | xxxxxx | 2025-05-19 10:00 | 2025-05-22 11:06 | 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-05/22/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower was approved with a DTI ratio exceeding the maximum allowed. - Due Diligence Vendor-05/19/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - Borrower verified 12.21 months of PITIA reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 61.88% LTV ratio, 80% maximum LTV 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 |
| 834265 | xxxxxx C B A | Closed | xxxxxx | 2025-05-19 10:45 | 2025-05-22 11:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-Client provided a waiver DTI above 50.00% with residual income <$3,500 applied to non material finding with comp factors - Due Diligence Vendor-05/22/2025 <br> Open-Per guides, the xxxxxx program requires a minimum residual income of $3,500 (plus $250 for the first dependent) for DTI greater than 50%. It should be noted the borrower's DTI ratio of 50.03% was approved through a lender's exception because the xxxxxx Alt Doc had a maximum DTI of 50%. Although the borrower was approved to exceed the 50% DTI maximum allowed for using xxxxxx income, the borrower did not have sufficient residual income required for a DTI ratio greater than 50%. The borrower was qualified with a DTI of 50.03% and had one dependent. Therefore $3,750 of residual income was required. However, the borrower had only $3,258.92 of disposable income, which was not sufficient to meet the residual income required. - Due Diligence Vendor-05/19/2025 |  | Waived-Client provided a waiver DTI above 50.00% with residual income <$3,500 applied to non material finding with comp factors - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - Borrower verified 12.21 months of PITIA reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 61.88% LTV ratio, 80% maximum LTV allowed. | LTV: 10% below maximum allowed<br> Reserves: exceed requirements by 10 months or more<br> Home Ownership: subject property home ownership > 10 years. | 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 |
| 834265 | xxxxxx C B A | Closed | xxxxxx | 2025-05-19 10:08 | 2025-05-22 11:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver for DTI >50.00 with residual income below $3,500 required, applied to non material finding with comp factors - Due Diligence Vendor-05/22/2025 <br> Open-Audited DTI of 50.03% exceeds Guideline DTI of 50% xxxxxx allows a maximum DTI ratio of 50%. The borrower was qualified with a DTI ratio of 50.03% which exceeded the program max. Lender approved exception in file. - Due Diligence Vendor-05/19/2025 |  | Waived-Client provided a waiver for DTI >50.00 with residual income below $3,500 required, applied to non material finding with comp factors - Due Diligence Vendor-05/22/2025<br>| Months Reserves exceed minimum required - Borrower verified 12.21 months of PITIA reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 61.88% LTV ratio, 80% maximum LTV allowed. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Reserves exceed requirement by 10 months or more.<br> Subject property home ownership > 10 years. | 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 |
| 834265 | xxxxxx C B A | Closed | xxxxxx | 2025-05-15 15:36 | 2025-05-15 16:08 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ---ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2025 |  | 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-05/15/2025<br>| Months Reserves exceed minimum required - Borrower verified 12.21 months of PITIA reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 61.88% LTV ratio, 80% maximum LTV 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 |
| 834268 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 16:55 | 2025-05-12 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received January Statement. Review used the lower YTD income. - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. Please see attached January statement. - Buyer-05/09/2025 <br>Counter-Client comments - There are no paystubs in file. However, there are February and March 2025 bank statements in file. This meet guidelines as noted above. It notes paystubs or bank statements (year to date). Bank statements are in file - AUDIT RESPONSE - Please provide the January statement in order to calculate the YTD earnings as required by the guidelines. - Due Diligence Vendor-05/06/2025 <br>Open-Borrower 1 Paystubs Missing Missing Year-to-date (YTD) earnings must be documented when the 1099 reporting period is greater than 90 days from the note date. YTD earning must support the ongoing receipt of income shown on the 1099s by:<br> 1. Checks or a single check stub(s) with YTD totals if available, or<br> 2. Bank statements (YTD) - Due Diligence Vendor-04/28/2025 |  | Resolved-Received January Statement. Review used the lower YTD income. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 26.1 months, guidelines require 6 months.<br>LTV is less than guideline maximum - The calculated LTV is 54.05%, maximum allowed is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading 804, minimum required per the guidelines is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834268 | xxxxxx D B A | Closed | xxxxxx | 2025-04-26 08:28 | 2025-04-28 17:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material due to short by less than 1 month of 6 months removal from listing. - Due Diligence Vendor-04/28/2025 <br> Open-Subject property was listed for sale within a time period not allowed per guidelines Property listed for sale within 6 months (off market on xxxxxx) VS loans not eligible for cash out. Property listed for sale in the past 6 months. The property was listed for sale on xxxxxx for xxxxxx. Note date is xxxxxx. Property was removed from the market 153 days after listing. Exception form in the file. - Due Diligence Vendor-04/26/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material due to short by less than 1 month of 6 months removal from listing. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 26.1 months, guidelines require 6 months.<br>LTV is less than guideline maximum - The calculated LTV is 54.05%, maximum allowed is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading 804, minimum required per the guidelines is 660. | FICO higher than 740 and at let 20 points higher than guideline minimum, FCO is 804.<br> LTV is less than 70% and at least 5% less than guideline maximum. LTV is 54.05%.<br> Qualifying DTI less than 35% and at least 10%less than guideline maximum. DTI is 13.22%. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 834269 | xxxxxx D A | Closed | xxxxxx | 2025-04-11 08:33 | 2025-04-18 15:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received evidence of Insurance w/sufficient coverage. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received evidence of Insurance w/sufficient coverage. - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guide min 660, actual 778.<br>Months Reserves exceed minimum required - Guide 2 mos, actual 5. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834269 | xxxxxx D A | Closed | xxxxxx | 2025-04-11 08:33 | 2025-04-18 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received evidence of Insurance - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Only Binder provided with coverage amount. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received evidence of Insurance - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guide min 660, actual 778.<br>Months Reserves exceed minimum required - Guide 2 mos, actual 5. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834274 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 10:33 | 2025-04-16 12:07 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received Property Address Certification. - Due Diligence Vendor-04/16/2025 <br> Open-Address discrepancy through out the file. Note, appraisal and mortgage reflect city as xxxxxx - Per Settlement Statement - xxxxxx / Some docs reflect xxxxxx - Due Diligence Vendor-04/08/2025 |  | Resolved-Received Property Address Certification. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 88.84mos reserves. Per guides, 6 reserves required.<br>DSCR % greater than 1.20 - DSCR 2.17. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834274 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 06:50 | 2025-04-16 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received Credit Supplement. - Due Diligence Vendor-04/16/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. MISSING SUBJECT PROPERTY VOM. PER GUIDES PG17: The underwriter must confirm satisfactory payment history up to the month of closing for the subject property and the borrower's/guarantor's primary residence. - Due Diligence Vendor-04/08/2025 |  | Resolved-Received Credit Supplement. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 88.84mos reserves. Per guides, 6 reserves required.<br>DSCR % greater than 1.20 - DSCR 2.17. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834274 | xxxxxx D B A | Closed | xxxxxx | 2025-04-04 14:18 | 2025-04-10 10:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for tape discrepancy, client confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per Note 36 Months Prepayment - per tape 24 months - Due Diligence Vendor-04/04/2025 |  | Waived-Client provided a waiver for tape discrepancy, client confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>Months Reserves exceed minimum required - 88.84mos reserves. Per guides, 6 reserves required.<br>DSCR % greater than 1.20 - DSCR 2.17. | Qualifying FICO score is at least 20 points above minimum for program - Borrower qualifying FICO score 696. Per guides minimum score required 660.Months Reserves exceed minimum required - 88.84mos reserves. Per guides 6 reserves required. DSCR % greater than 1.20 - DSCR 2.17. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 834280 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 10:16 | 2025-06-06 10:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-The request for an exception to xxxxxx's eligibility criteria is granted for Escrow Waiver - Due Diligence Vendor-04/28/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Credit Score 30+ points > minimum required - Buyer-04/28/2025 <br> Counter-Originator exception is in file. Please provide the Client Approved exception. - Due Diligence Vendor-04/17/2025 <br> Open-Escrow waivers are allowed by exception only. Exception in file. - Due Diligence Vendor-04/15/2025 |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted for Escrow Waiver - Due Diligence Vendor-04/28/2025<br>| LTV is less than guideline maximum - Qualifying LTV 40.30%; max 80% for escrow waiver<br>Months Reserves exceed minimum required - Qualifying reserves 24 months; minimum required 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 766; minimum required 660 | &nbsp;&nbsp;&nbsp;&nbsp;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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834280 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 09:36 | 2025-04-25 11:03 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title. Judgement not reporting. - Due Diligence Vendor-04/25/2025 <br> Open-Property Title Issue Missing disposition of borrower's judgment for $xxxxxx Final CD does not reflect payment and no documentation supporting paid in full or does not belong to borrower is in file. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received Final Title. Judgement not reporting. - Due Diligence Vendor-04/25/2025<br>| LTV is less than guideline maximum - Qualifying LTV 40.30%; max 80% for escrow waiver<br>Months Reserves exceed minimum required - Qualifying reserves 24 months; minimum required 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 766; minimum 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 |
| 834280 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 10:13 | 2025-04-23 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Per client backed out the large roll over IRA deposit. - Due Diligence Vendor-04/23/2025 <br> Open-Missing documentation to support large deposit of rollover retirement deposited into account whose last 4 digits are xxxxxx on 02/11. Funds must be seasoned for 120 days. If funds are not properly documented both income and assets will be impacted for Asset Utilization loan. Additional findings may apply. - Due Diligence Vendor-04/15/2025 |  | Resolved-Per client backed out the large roll over IRA deposit. - Due Diligence Vendor-04/23/2025 | LTV is less than guideline maximum - Qualifying LTV 40.30%; max 80% for escrow waiver<br>Months Reserves exceed minimum required - Qualifying reserves 24 months; minimum required 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 766; minimum 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 |
| 834287 | xxxxxx C A | Closed | xxxxxx | 2025-04-08 11:12 | 2025-04-21 11:01 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Cross collateral payoff provided. - Due Diligence Vendor-04/21/2025 <br>Counter-Payoff provided is not for this loan. Please provide the payoff for this loan. - Due Diligence Vendor-04/21/2025 <br>Counter-Guidelines state for refinance transaction a Lender Payoff Letter is required. - Due Diligence Vendor-04/16/2025 <br>Open-Missing pay off for the subject property's portion of the blanket mortgage - Due Diligence Vendor-04/08/2025 |  | Resolved-Cross collateral payoff provided. - Due Diligence Vendor-04/21/2025<br>| LTV is less than guideline maximum - 45% LTV is less than 70% guideline maximum<br>DSCR % greater than 1.20 - DSCR is 1.373 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834287 | xxxxxx C A | Closed | xxxxxx | 2025-04-04 14:15 | 2025-04-16 17:59 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-lender confirmed the prepay is 36 months. - Due Diligence Vendor-04/16/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per note prepayment term is 36 months - per Tape 24 months - Due Diligence Vendor-04/04/2025 |  | Resolved-lender confirmed the prepay is 36 months. - Due Diligence Vendor-04/16/2025<br>| LTV is less than guideline maximum - 45% LTV is less than 70% guideline maximum<br>DSCR % greater than 1.20 - DSCR is 1.373 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834287 | xxxxxx C A | Closed | xxxxxx | 2025-04-07 14:26 | 2025-04-16 12:01 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received Supplemental Report. - Due Diligence Vendor-04/16/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing verification of history for primary, documentation confirming primary residence mortgage was not provided - Due Diligence Vendor-04/07/2025 |  | Resolved-Received Supplemental Report. - Due Diligence Vendor-04/16/2025<br>| LTV is less than guideline maximum - 45% LTV is less than 70% guideline maximum<br>DSCR % greater than 1.20 - DSCR is 1.373 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834287 | xxxxxx C A | Closed | xxxxxx | 2025-04-07 14:47 | 2025-04-11 10:45 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-04/11/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008 - Due Diligence Vendor-04/07/2025 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - 45% LTV is less than 70% guideline maximum<br>DSCR % greater than 1.20 - DSCR is 1.373 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834290 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 834294 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 11:09 | 2025-04-16 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-04/11/2025 <br> Open-Missing Third Party Fraud Report PER GUIDES PG18: A background check dated within 90 days of the note date is required for all loans originated by xxxxxx. - Due Diligence Vendor-04/07/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - 64.38mos reserves. Per guides, 6 reserves required.<br>LTV is less than guideline maximum - Borr LTV 47.5%. Per guides, maximum LTV 75%.<br>DSCR % greater than 1.20 - DSCR 1.506 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834294 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 10:41 | 2025-04-16 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/16/2025 <br> Open-\*New\* All Interested Parties Not Checked with Exclusionary Lists- Settlement agent was not included. - Due Diligence Vendor-04/11/2025 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - 64.38mos reserves. Per guides, 6 reserves required.<br>LTV is less than guideline maximum - Borr LTV 47.5%. Per guides, maximum LTV 75%.<br>DSCR % greater than 1.20 - DSCR 1.506 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834294 | xxxxxx D B A | Closed | xxxxxx | 2025-04-04 14:13 | 2025-04-10 10:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for the tape discrepancy, confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Prepayment term per note is 36 months - Per tape 24 Months - Due Diligence Vendor-04/04/2025 |  | Waived-Client provided a waiver for the tape discrepancy, confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - 64.38mos reserves. Per guides, 6 reserves required.<br>LTV is less than guideline maximum - Borr LTV 47.5%. Per guides, maximum LTV 75%.<br>DSCR % greater than 1.20 - DSCR 1.506 | Months Reserves exceed minimum required - 64.38mos reserves. Per guides 6 reserves required. LTV is less than guideline maximum - Borr LTV 47.5%. Per guides maximum LTV 75%.DSCR % greater than 1.20 - DSCR 1.506 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 834295 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 13:57 | 2025-04-21 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, the disclosure is not a required document and is disclosed in the Loan Agreement. - Due Diligence Vendor-04/21/2025 <br>Counter-Please provide the Initial Escrow Account Disclosure. - Due Diligence Vendor-04/16/2025 <br>Open-Missing Escrow Initial Deposit disclosure - Due Diligence Vendor-04/07/2025 |  | Resolved-Upon further review, the disclosure is not a required document and is disclosed in the Loan Agreement. - Due Diligence Vendor-04/21/2025<br>| LTV is less than guideline maximum - Borr LTV 52.5%. Per guides, maximum LTV 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.179. Per guides, minimum DSCR 1 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834295 | xxxxxx D B A | Closed | xxxxxx | 2025-04-07 13:46 | 2025-04-10 10:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for tape discrepancy, client confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per PPP in note, PPP is for 3 years - Due Diligence Vendor-04/07/2025 |  | Waived-Client provided a waiver for tape discrepancy, client confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025<br>| LTV is less than guideline maximum - Borr LTV 52.5%. Per guides, maximum LTV 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.179. Per guides, minimum DSCR 1 | LTV is less than guideline maximum - Borr LTV 52.5%. Per guides maximum LTV 75%.Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides minimum score required 660.DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.179. Per guides minimum DSCR 1 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 834296 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 15:09 | 2025-04-21 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, the loan has escrows for taxes and Insurance. - Due Diligence Vendor-04/21/2025 <br>Counter-While the Loan Agreement section 2.8 states the Lender May require Escrows, we are missing the Initial Escrow Account Disclosure - Due Diligence Vendor-04/16/2025 <br>Open-Escrow disclosure is missing - Due Diligence Vendor-04/07/2025 |  | Resolved-Upon further review, the loan has escrows for taxes and Insurance. - Due Diligence Vendor-04/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.109. Per guides, minimum DSCR 1.0<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834297 | 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 |  |  |  |
| 834300 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 10:40 | 2025-04-16 11:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-04/16/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Legal in file not attached to mortgage. - Due Diligence Vendor-04/08/2025 |  | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - 58.31mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>DSCR % greater than 1.20 - DSCR 1.658. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834300 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 10:53 | 2025-04-16 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-04/16/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing credit report - Due Diligence Vendor-04/08/2025 |  | Resolved-Received Credit Report. - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - 58.31mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>DSCR % greater than 1.20 - DSCR 1.658. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834300 | xxxxxx D B A | Closed | xxxxxx | 2025-04-04 14:37 | 2025-04-10 10:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for the tape discrepancy, confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per Note prepay term of 36 months - per tape 24 months. - Due Diligence Vendor-04/04/2025 |  | Waived-Client provided a waiver for the tape discrepancy, confirmed 36 months, applied to non material finding with comp factors - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - 58.31mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides, minimum score required 660.<br>DSCR % greater than 1.20 - DSCR 1.658. | Months Reserves exceed minimum required - 58.31mos reserves. Per guides 6 reserves required. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 696. Per guides minimum score required 660.DSCR % greater than 1.20 - DSCR 1.658. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 834316 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834353 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 11:21 | 2025-05-01 09:59 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received PCCD xxxxxx with corrected escrow instruction. Finding resolved. - Due Diligence Vendor-05/01/2025 <br> Open-Final CD reflects "Yes" for property taxes and Homeowners Insurance, but there is a waiver in file and amount is zero on the final CD.<br> Transfer tax is also listed and loan is a refi. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received PCCD xxxxxx with corrected escrow instruction. Finding resolved. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 740 credit score. Qualifying credit score is 781.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 7.38%. |  | 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 |
| 834353 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 12:16 | 2025-04-29 08:18 | Resolved | 1 - Information B A | Compliance | State Reg | Subprime Loan Test | Resolved-Compliant Subprime - Due Diligence Vendor-04/29/2025 <br> Open-Compliant Subprime-APR is within allowable threshold of excess of allowable threshold of APOR Compliant Subprime- APR on subject loan of 9.43% is within allowable threshold of APOR of 6.66% + 3.75% or 10.41%. - Due Diligence Vendor-04/28/2025 |  | Resolved-Compliant NY Subprime - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 740 credit score. Qualifying credit score is 781.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 7.38%. |  | 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 |
| 834353 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 10:40 | 2025-04-25 10:40 | 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-04/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 740 credit score. Qualifying credit score is 781.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 7.38%. |  | 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 |
| 834354 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 16:16 | 2025-05-07 09:55 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD evidence of refund to borrower of $15.56, post-close CD, LOE and evidence of delivery to borrower. Finding cured - Due Diligence Vendor-05/07/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.56.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 (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 $15, 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-04/29/2025 |  | Cured-Received PCCD evidence of refund to borrower of $15.56, post-close CD, LOE and evidence of delivery to borrower. Finding cured - Due Diligence Vendor-05/07/2025<br>| LTV is less than guideline maximum - Max 80%, actual 24.06%.<br>Qualifying DTI below maximum allowed - Max 50% actual 40.35% |  | 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 |
| 834354 | xxxxxx C B A | Closed | xxxxxx | 2025-05-01 07:35 | 2025-05-01 07:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed Non-material - Exspouse required to pay taxes on home per divorce decree. - Due Diligence Vendor-05/01/2025 <br> Open-Exception - Waiving tax escrow with less 720 score - Requesting exception to waive the tax portion of the escrow<br> account only (borrower WILL escrow for Hazard insurance) w/less than 720 FICO. Per borrower's divorce decree, her ex-husband is court ordered to pay the property taxes on the subject, so she does not want to escrow - Due Diligence Vendor-05/01/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed Non-material - Exspouse required to pay taxes on home per divorce decree. - Due Diligence Vendor-05/01/2025<br>| LTV is less than guideline maximum - Max 80%, actual 24.06%.<br>Qualifying DTI below maximum allowed - Max 50% actual 40.35% |  | 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 | Investor Post-Close | No | xxxxxx |
| 834372 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 834394 | xxxxxx D A | Closed | xxxxxx | 2024-12-27 06:31 | 2025-03-31 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-back side of the employment authorization card provided. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. copy of back side - Seller-03/31/2025 <br>Open-Borrower Citizenship Documentation Is Missing Missing copy of the back side of the employment authorization card. Loan file only contained a copy of the front side. - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. copy of back side - Seller-03/31/2025<br>| Resolved-back side of the employment authorization card provided. - Due Diligence Vendor-03/31/2025<br>| Qualifying DTI below maximum allowed - 25.79% DTI, 49.99% max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 760 qualifying FICO, 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834394 | xxxxxx D A | Closed | xxxxxx | 2024-12-26 17:54 | 2025-03-31 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-LOX the fraud report was reviewed and approved by the Underwriting Manager provided. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Counter-Document was not attached. Please re-upload. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-lox - Seller-03/27/2025 <br> Counter-Received Fraud Report, however we are missing an approval by the Underwriting Manager due to the score is > 800. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-xxxxxx - Seller-03/26/2025 <br> Open-Third Party Fraud Report Partially Provided xxxxxx scores above 800 require management review and approval by the Underwriting Manager in order to proceed with the loan. The loan file is missing documentation to verify the fraud report was reviewed and approved by the Underwriting Manager. - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Ready for Review-lox - Seller-03/27/2025 <br> Ready for Review-xxxxxx - Seller-03/26/2025 | Resolved-LOX the fraud report was reviewed and approved by the Underwriting Manager provided. - Due Diligence Vendor-03/31/2025<br>| Qualifying DTI below maximum allowed - 25.79% DTI, 49.99% max allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 760 qualifying FICO, 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834397 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 16:29 | 2025-04-16 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/16/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Missing Business Purpose Affidavit. - Due Diligence Vendor-04/07/2025 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/16/2025<br>| Long term residence - 7 years. <br>LTV is less than guideline maximum - LTV 66% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834400 | xxxxxx C A | Closed | xxxxxx | 2025-04-28 14:53 | 2025-05-23 10:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received PCCD xxxxxx, copy of check, LOE and evidence of delivery. - Due Diligence Vendor-05/23/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $2,244,598.43. The disclosed total of payments of $2,244,360.41 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. ----- Total of payments is understated by $238.02, which exceeds threshold of $35. Provide evidence of refund or principal reduction for $238.02 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery.<br> - Due Diligence Vendor-04/28/2025 |  | Resolved-Received PCCD xxxxxx, copy of check, LOE and evidence of delivery. - Due Diligence Vendor-05/23/2025 | Months Reserves exceed minimum required - 26 months reserves exceed 12 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - 786 FICO score is 20+ points above 680 minimum |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834402 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834404 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 09:57 | 2025-05-28 11:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Received executed final CD xxxxxx with corrected finance charge. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. I already sent the FCD that reflected the finance charge properly, and also, the finance charge of the POST CD I sent before decreased compared to FCD, but I don't know which POST CD asking exactly. I am sending you the proof that I sent the revised FCD below to the borrower before. I would appreciate it if you could check it again and kindly give me your feedback. - Seller-05/27/2025 <br> Counter------Received PCCD xxxxxx, The finance charge is $1,755,887.69. The disclosed finance charge of $1,755,112.69 is not considered accurate because it is understated by more than $100 at -$775.00. Provide evidence of refund or principal reduction of $775.00, 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-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached the post 1.1 which disbursement date updated. I have updated the disbursement date and sent it to the borrower again. I don't know if this is what you want. If this is not the case, please kindly let me know exactly what you want and I will prepare again next time. - Seller-05/23/2025 <br> Counter-----Received PCCD xxxxxx. Finding remains. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please see attached the post-close CD, LOE and evidence of delivery to the borrower. - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. It seems that incorrect ICD and FCD were included in the closing package. We actually had CDs that properly reflected the Finance Charge, and we are sending those to you. Also, the correct Finance Charge is $1,755,887.69. It appears that the Finance Charge amount you calculated, $1,755,662.69, does not include the Appraisal Desk Review Fee of $225. Please refer to the QM report related to the FCD. - Seller-05/20/2025 <br> Counter-Rec'd PCCD issued xxxxxx & Loan Details Report. No change. Finding remains. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the post CD and QM report. - Seller-05/19/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,755,662.69. The disclosed finance charge of $1,755,112.69 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 $1,755,662.69. The disclosed finance charge of $1,755,112.69 is not considered accurate because it is understated by more than $100 at -$550.00. Provide evidence of refund or principal reduction of $550.00, 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.<br> - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. I already sent the FCD that reflected the finance charge properly, and also, the finance charge of the POST CD I sent before decreased compared to FCD, but I don't know which POST CD asking exactly. I am sending you the proof that I sent the revised FCD below to the borrower before. I would appreciate it if you could check it again and kindly give me your feedback. - Seller-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached the post 1.1 which disbursement date updated. I have updated the disbursement date and sent it to the borrower again. I don't know if this is what you want. If this is not the case, please kindly let me know exactly what you want and I will prepare again next time. - Seller-05/23/2025 <br> Ready for Review-Document Uploaded. Please see attached the post-close CD, LOE and evidence of delivery to the borrower. - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. It seems that incorrect ICD and FCD were included in the closing package. We actually had CDs that properly reflected the Finance Charge, and we are sending those to you. Also, the correct Finance Charge is $1,755,887.69. It appears that the Finance Charge amount you calculated, $1,755,662.69, does not include the Appraisal Desk Review Fee of $225. Please refer to the QM report related to the FCD. - Seller-05/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the post CD and QM report. - Seller-05/19/2025 | Resolved-Received executed final CD xxxxxx with corrected finance charge. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 793.<br>Months Reserves exceed minimum required - Months reserves required is 2; qualifying reserves is 70.15 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 |
| 834404 | xxxxxx C A | Closed | xxxxxx | 2025-05-15 09:57 | 2025-05-28 11:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Received executed final CD xxxxxx with corrected finance charge. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. I already sent the FCD that reflected the finance charge properly, and also, the finance charge of the POST CD I sent before decreased compared to FCD, but I don't know which POST CD asking exactly. I am sending you the proof that I sent the revised FCD below to the borrower before. I would appreciate it if you could check it again and kindly give me your feedback. - Seller-05/27/2025 <br> Counter-------Received PCCD xxxxxx, Finance charge is understated by $775.00 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $775.00 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached the post 1.1 which disbursement date updated. I have updated the disbursement date and sent it to the borrower again. I don't know if this is what you want. If this is not the case, please kindly let me know exactly what you want and I will prepare again next time. - Seller-05/23/2025 <br> Counter-----Received PCCD xxxxxx. Finding remains. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please see attached the post-close CD, LOE and evidence of delivery to the borrower. - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. It seems that incorrect ICD and FCD were included in the closing package. We actually had CDs that properly reflected the Finance Charge, and we are sending those to you. Also, the correct Finance Charge is $1,755,887.69. It appears that the Finance Charge amount you calculated, $1,755,662.69, does not include the Appraisal Desk Review Fee of $225. Please refer to the QM report related to the FCD. - Seller-05/20/2025 <br> Counter-Rec'd PCCD issued xxxxxx & Loan Details Report. No change. Finding remains. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the post CD and QM report. - Seller-05/19/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $1,755,662.69. The disclosed finance charge of $1,755,112.69 is not considered accurate for purposes of rescission because it is understated by more than $35. ------ Finance charge is understated by $550.00 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $550.00 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. I already sent the FCD that reflected the finance charge properly, and also, the finance charge of the POST CD I sent before decreased compared to FCD, but I don't know which POST CD asking exactly. I am sending you the proof that I sent the revised FCD below to the borrower before. I would appreciate it if you could check it again and kindly give me your feedback. - Seller-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached the post 1.1 which disbursement date updated. I have updated the disbursement date and sent it to the borrower again. I don't know if this is what you want. If this is not the case, please kindly let me know exactly what you want and I will prepare again next time. - Seller-05/23/2025 <br>Ready for Review-Document Uploaded. Please see attached the post-close CD, LOE and evidence of delivery to the borrower. - Seller-05/22/2025 <br>Ready for Review-Document Uploaded. It seems that incorrect ICD and FCD were included in the closing package. We actually had CDs that properly reflected the Finance Charge, and we are sending those to you. Also, the correct Finance Charge is $1,755,887.69. It appears that the Finance Charge amount you calculated, $1,755,662.69, does not include the Appraisal Desk Review Fee of $225. Please refer to the QM report related to the FCD. - Seller-05/20/2025 <br>Ready for Review-Document Uploaded. Please see attached the post CD and QM report. - Seller-05/19/2025<br>| Resolved-Received executed final CD xxxxxx with corrected finance charge. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 793.<br>Months Reserves exceed minimum required - Months reserves required is 2; qualifying reserves is 70.15 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 |
| 834404 | xxxxxx C A | Closed | xxxxxx | 2025-05-23 09:30 | 2025-05-27 09:54 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx.n Finding resolved. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached the post 1.1 which disbursement date updated. I have updated the disbursement date and sent it to the borrower again. I don't know if this is what you want. If this is not the case, please kindly let me know exactly what you want and I will prepare again next time. - Seller-05/23/2025 <br> Counter-----NEW---Received PCCD xxxxxx, disbursement date xxxxxx which is prior to cancel date. 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. - Due Diligence Vendor-05/23/2025 <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. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. Please see attached the post 1.1 which disbursement date updated. I have updated the disbursement date and sent it to the borrower again. I don't know if this is what you want. If this is not the case, please kindly let me know exactly what you want and I will prepare again next time. - Seller-05/23/2025<br>| Resolved-Received PCCD xxxxxx, disbursement date xxxxxx.n Finding resolved. - Due Diligence Vendor-05/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 793.<br>Months Reserves exceed minimum required - Months reserves required is 2; qualifying reserves is 70.15 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 |
| 834446 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:27 | 2025-06-05 18:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file. Waiver applied with comp factors. FTHB purchasing an investment property. - Due Diligence Vendor-06/05/2025 <br>Open-FTHB purchasing an investment property does not meet guideline. - Due Diligence Vendor-06/05/2025 |  | Waived-Client exception granted and in file. Waiver applied with comp factors. FTHB purchasing an investment property. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 764<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 61.61 documented | FICO 30+ points above minimum required<br> DTI is less than max allowed<br> Residual income more than 1.5X the amount required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834446 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 19:20 | 2025-05-13 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Lender confirmed the borrower used their social and does not have an EIN number. - Due Diligence Vendor-05/13/2025 <br>Counter-Documentation received is insufficient-please provide EIN from IRS for vesting entity. - Due Diligence Vendor-05/13/2025 <br>Open-Missing EIN # - Due Diligence Vendor-04/28/2025 |  | Resolved-Lender confirmed the borrower used their social and does not have an EIN number. - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 764<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 61.61 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834446 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 18:55 | 2025-05-08 11:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-05/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received DOT w/Legal - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 764<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 61.61 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834446 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 12:17 | 2025-05-08 11:46 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Articles of Organization and Good Standing. - Due Diligence Vendor-05/08/2025 <br> Open-The Business Entity Formation Document is Missing Per xxxxxx guides, Good Standing w/ the state required - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Articles of Organization and Good Standing. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 764<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 61.61 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834471 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-15 09:57 | 2025-05-06 08:54 | Cured | 2 - Non-Material C B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Cured-Received PCCD xxxxxx, copy of check for $70.00 and evidence of delivery. Finding cured. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Cure docs - Buyer-05/05/2025 <br> Counter-Client response: xxxxxx, the wholesale division of xxxxxx., charges a tax service fee on each transaction. The fee charged is $70.00 and is payable on the final Closing Disclosure to xxxxxx, xxxxxx. xxxxxx sells loans to multiple aggregators, and we have chosen to charge the consumer the lowest Tax Service Fee amount charge by a of the aggregators to ensure we are compliant, and the fee can be proven to be a true pass-through fee. No amount of the $70.00 is retained by xxxxxx. We are not able to list a different provider on the tax service fee as the aggregator is unknown at the time of closing. <br> Audit Response: If the fee is paid to lender at time of closing then fee should be disclosed in section A. Provide a PCCD with fee moved to section A.<br> - Due Diligence Vendor-04/24/2025 <br> Counter-----Received PCCD xxxxxx, Tax Servicing Fee in Section B is paid to Lender. Fees in section B should not be paid to Lender or Broker. Provide PCCD with FBO and vender name. Finding remainis. - Due Diligence Vendor-04/22/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Servicing Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 1 Year: xxxxxx. - Due Diligence Vendor-04/15/2025 |  | Cured-Received PCCD xxxxxx, copy of check for $70.00 and evidence of delivery. Finding cured. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 700<br>Qualifying DTI below maximum allowed - 50% max, actual 43. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834471 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-16 10:15 | 2025-04-21 09:46 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received all pages of the mortgage. - Due Diligence Vendor-04/21/2025 <br>Open-The Deed of Trust is Incomplete Page 1 is encrypted - Due Diligence Vendor-04/16/2025 |  | Resolved-Received all pages of the mortgage. - Due Diligence Vendor-04/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 700<br>Qualifying DTI below maximum allowed - 50% max, actual 43. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834471 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-15 15:28 | 2025-04-21 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the inquiries resulted in new debt and was included in the DTI. - Due Diligence Vendor-04/21/2025 <br>Open-LOX for credit inquiries is missing. LOX missing. - Due Diligence Vendor-04/15/2025 |  | Resolved-Upon further review, the inquiries resulted in new debt and was included in the DTI. - Due Diligence Vendor-04/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 700<br>Qualifying DTI below maximum allowed - 50% max, actual 43. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834471 | xxxxxx D B A C | Closed | xxxxxx | 2025-04-15 15:14 | 2025-04-21 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-04/21/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Bank statement income worksheet mssing. - Due Diligence Vendor-04/15/2025 |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-04/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 700<br>Qualifying DTI below maximum allowed - 50% max, actual 43. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834472 | 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 |  |  |  |
| 834473 | xxxxxx D A | Closed | xxxxxx | 2025-04-02 09:35 | 2025-04-08 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-04/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/02/2025 |  | Resolved-Received UDM - Due Diligence Vendor-04/08/2025<br>| Qualifying DTI below maximum allowed - Guide max DTI 50%, actual DTI 40.07%<br>CLTV is less than guidelines maximum - Guide 85% CLTV, actual CLTV 77.75%. |  | 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 |
| 834474 | xxxxxx C A | Closed | xxxxxx | 2025-03-31 13:53 | 2025-04-02 09:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $53.80 (Credit Report) without a valid COC in file. However, there is a lender credit for fee's above legal limit on Final Cd xxxxxx in the amount of $219.63. Resolved. - Due Diligence Vendor-04/02/2025 <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 $53.80.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 $53.80 (Credit Report) without a valid COC in file. However, there is a lender credit for fee's above legal limit on Final Cd xxxxxx in the amount of $219.63. Resolved. - Due Diligence Vendor-03/31/2025 |  | Resolved------Zero (0%) tolerance fees increased by $53.80 (Credit Report) without a valid COC in file. However, there is a lender credit for fee's above legal limit on Final Cd xxxxxx in the amount of $219.63. Resolved. - Due Diligence Vendor-04/02/2025 | CLTV is less than guidelines maximum - CLTV of 53.52% is less than 85% maximum <br>Qualifying DTI below maximum allowed - 38.85% DTI is below 50% maximum 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 |
| 834478 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 18:42 | 2025-04-30 17:56 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial B1 bank statements show xxxxxx payments being made for "rent". B1 renting for past 5 months; former primary home is now an investment. B1 also has additional REO's on credit report with 0 late payments. - Due Diligence Vendor-04/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender exception provided for current rental history. B1 currently rents and cannot verify rent payments being made for the past 5 months. - Due Diligence Vendor-04/29/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial B1 bank statements show xxxxxx payments being made for "rent". B1 renting for past 5 months; former primary home is now an investment. B1 also has additional REO's on credit report with 0 late payments. - Due Diligence Vendor-04/30/2025 | Months Reserves exceed minimum required - 19 months reserves. Per guides, 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746. Per guides, minimum score required 700. | Credit Score 30+ points > minimum required<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 |
| 834478 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 18:42 | 2025-04-30 17:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial B1 bank statements show withdrawals each month for the same amount listed on the VOM. VOM provided shows account satisfactory. B1 also has additional REO's on credit report with 0 late payments. - Due Diligence Vendor-04/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception provided for private mortgage for subject property that cannot be verified, VOM on file but borrower payments are in cash and no mortgage statements are available - Due Diligence Vendor-04/29/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial B1 bank statements show withdrawals each month for the same amount listed on the VOM. VOM provided shows account satisfactory. B1 also has additional REO's on credit report with 0 late payments. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - 19 months reserves. Per guides, 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746. Per guides, minimum score required 700. | Credit Score 30+ points > minimum required<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 |
| 834479 | xxxxxx D A | Closed | xxxxxx | 2025-04-30 14:37 | 2025-05-05 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-05/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing copy of the borrower's Gap Report. - Due Diligence Vendor-04/30/2025 |  | Resolved-Received Gap Report - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - LTV is 73.44% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 730 and minimum allowed is 680.<br>Qualifying DTI below maximum allowed - DTI is 40.34% and max allowed 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 |
| 834482 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 08:48 | 2025-05-27 14:47 | Waived | 2 - Non-Material D B | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Waived-Client exception granted to allow discrepancy between the appraisal and condo questionnaire, as the appraiser will not update the appraisal. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/27/2025 <br> Counter-Exception approval provided. Please provide a corrected appraisal or HOA questionnaire. - Due Diligence Vendor-05/27/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. CONDO questionnaire states this is a xxxxxx. appraisal states is not xxxxxx.<br> Also condo questionnaire #units xxxxxx and appraisal states xxxxxx units. - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted to allow discrepancy between the appraisal and condo questionnaire, as the appraiser will not update the appraisal. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/27/2025<br>| Qualifying DTI below maximum allowed - DTI 40.34%; max is 50%.<br>LTV is less than guideline maximum - 70% LTV with 85% max<br>Months Reserves exceed minimum required - 32.33 months reserves with 6 months min<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793, minimum score 660. | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Credit Score 30+ points > minimum required <br> Compensating Factor 3 - Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834482 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 08:31 | 2025-05-13 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Trust Cert. - Due Diligence Vendor-05/13/2025 <br> Open-Missing trust agreement for the xxxxxx account required. There is 3 non borrowers to give permission to use these funds to close. - Due Diligence Vendor-04/23/2025 |  | Resolved-Received Trust Cert. - Due Diligence Vendor-05/13/2025<br>| Qualifying DTI below maximum allowed - DTI 40.34%; max is 50%.<br>LTV is less than guideline maximum - 70% LTV with 85% max<br>Months Reserves exceed minimum required - 32.33 months reserves with 6 months min<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793, minimum score 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 834482 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 11:07 | 2025-04-23 11:13 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, spouse joint account - Due Diligence Vendor-04/23/2025 <br>Open-Income and Employment Do Not Meet Guidelines Asset utilization - Asset reflect additional non-borrowing spouse. - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, spouse joint account - Due Diligence Vendor-04/23/2025<br>| Qualifying DTI below maximum allowed - DTI 40.34%; max is 50%.<br>LTV is less than guideline maximum - 70% LTV with 85% max<br>Months Reserves exceed minimum required - 32.33 months reserves with 6 months min<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793, minimum score 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834485 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834494 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 16:38 | 2025-05-21 09:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Seller provided these COC docs after I pushed the other cure docs yesterday afternoon from xxxxxx. Hoping to land them there all about the same time. - Buyer-05/20/2025 <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 $335.25.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 $335.25 (Loan Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $335.25, 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-05/14/2025 |  | Resolved-Received COC xxxxxx. - Due Diligence Vendor-05/21/2025 | Months Reserves exceed minimum required - 13 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 721 FICO, 660 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 |
| 834525 | xxxxxx D B A | Closed | xxxxxx | 2024-11-21 09:54 | 2024-11-21 09:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Per guidelines, subject exceeds acreage, lender exception provided.<br> ~Waiver applied to non-material finding with compensating factors - Due Diligence Vendor-11/21/2024 |  | Waived-Per guidelines, subject exceeds acreage, lender exception provided.<br> ~Waiver applied to non-material finding with compensating factors - Due Diligence Vendor-11/21/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 600, client has a 638 Fico<br>LTV is less than guideline maximum - Guidelines allow LTV to 65%, loan closed at 60% LTV |  | 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 |
| 834525 | xxxxxx D B A | Closed | xxxxxx | 2024-11-15 11:48 | 2024-11-19 16:48 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Article of Incorporation and 2 months business bank statements provided. - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. Please find the articles of incorp and the two months xxxxxx stmts. - Seller-11/18/2024 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. MIssing business owneship % and business bank statements. - Due Diligence Vendor-11/15/2024 | Ready for Review-Document Uploaded. Please find the articles of incorp and the two months xxxxxx stmts. - Seller-11/18/2024 | Resolved-Article of Incorporation and 2 months business bank statements provided. - Due Diligence Vendor-11/19/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 600, client has a 638 Fico<br>LTV is less than guideline maximum - Guidelines allow LTV to 65%, loan closed at 60% LTV |  | 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 |
| 834525 | xxxxxx D B A | Closed | xxxxxx | 2024-11-15 11:28 | 2024-11-19 16:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Secretary of State provided. 100% owner - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. Please find the articles of inc that show our bwr is 100% owner please clear findings as this is xxxxxx progrm. - Seller-11/18/2024 <br> Open-Borrower 1 CPA Letter Missing Missing documentation validating borrower business ownership percentage. - Due Diligence Vendor-11/15/2024 | Ready for Review-Document Uploaded. Please find the articles of inc that show our bwr is 100% owner please clear findings as this is xxxxxx progrm. - Seller-11/18/2024 | Resolved-Secretary of State provided. 100% owner - Due Diligence Vendor-11/19/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 600, client has a 638 Fico<br>LTV is less than guideline maximum - Guidelines allow LTV to 65%, loan closed at 60% LTV |  | 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 |
| 834525 | xxxxxx D B A | Closed | xxxxxx | 2024-11-15 11:28 | 2024-11-19 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-2 months business bank statements provided. - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. Please find the xxxxxx stmt review. - Seller-11/18/2024 <br> Open-Borrower 1 Business Bank Statements Missing Two (2) months business bank statements are required to verify that a valid business bank account exists, per letter from borrower transfers are made between business and personal accounts. - Due Diligence Vendor-11/15/2024 | Ready for Review-Document Uploaded. Please find the xxxxxx stmt review. - Seller-11/18/2024 | Resolved-2 months business bank statements provided. - Due Diligence Vendor-11/19/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 600, client has a 638 Fico<br>LTV is less than guideline maximum - Guidelines allow LTV to 65%, loan closed at 60% LTV |  | 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 |
| 834525 | xxxxxx D B A | Closed | xxxxxx | 2024-11-15 10:17 | 2024-11-19 16:45 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present in file or not applicable. - LOE provided. - Due Diligence Vendor-11/19/2024 <br>Ready for Review-Document Uploaded. Please find the LOX for credit. - Seller-11/18/2024 <br>Open-LOX for credit inquiries is missing. NO lox in file for inquiry from credit report - Due Diligence Vendor-11/15/2024 | Ready for Review-Document Uploaded. Please find the LOX for credit. - Seller-11/18/2024<br>| Resolved-LOX for credit inquiries is present in file or not applicable. - LOE provided. - Due Diligence Vendor-11/19/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 600, client has a 638 Fico<br>LTV is less than guideline maximum - Guidelines allow LTV to 65%, loan closed at 60% LTV |  | 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 |
| 834545 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834548 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834549 | xxxxxx D A | Closed | xxxxxx | 2025-03-17 10:49 | 2025-03-20 15:30 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property is in a Flood Zone that requires Flood Insurance but Flood Insurance is not Present | Resolved-Received flood insurance. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. flood ins please clear findings. - Seller-03/19/2025 <br> Open-Subject Property is in Flood Zone AE but Flood Insurance is not present. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. flood ins please clear findings. - Seller-03/19/2025<br>| Resolved-Received flood insurance. - Due Diligence Vendor-03/20/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Months Reserves exceed minimum required - 129.39 months reserves exceed required 6 by 123.39 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834549 | xxxxxx D A | Closed | xxxxxx | 2025-03-17 10:49 | 2025-03-20 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received acceptable flood insurance. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. flood ins uploaded please clear findings. - Seller-03/19/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. flood ins uploaded please clear findings. - Seller-03/19/2025<br>| Resolved-Received acceptable flood insurance. - Due Diligence Vendor-03/20/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Months Reserves exceed minimum required - 129.39 months reserves exceed required 6 by 123.39 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834554 | xxxxxx D A | Closed | xxxxxx | 2025-03-24 09:27 | 2025-03-26 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Upon further review, the loan file contained all required Guaranty documentation. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. PG is attached for review. - Seller-03/25/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Personal guarantee is not signed. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. PG is attached for review. - Seller-03/25/2025<br>| Resolved-Upon further review, the loan file contained all required Guaranty documentation. - Due Diligence Vendor-03/26/2025<br>| LTV is less than guideline maximum - Qualifying LTV 69.98%; Guideline max 75%<br>Months Reserves exceed minimum required - o 45 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834569 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834573 | xxxxxx C A | Closed | xxxxxx | 2025-03-19 12:14 | 2025-03-21 15:58 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Upon further review, the loan file contained all required business entity documentation. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Per guidelines, the EIN is not required. Please clear condition. - Seller-03/20/2025 <br>Open-The Business Entity Formation Document is Missing - Provide Business Entity EIN. The Business Entity Formation Document is Missing - Due Diligence Vendor-03/19/2025 | Ready for Review-Per guidelines, the EIN is not required. Please clear condition. - Seller-03/20/2025<br>| Resolved-Upon further review, the loan file contained all required business entity documentation. - Due Diligence Vendor-03/21/2025<br>| LTV is less than guideline maximum - LTV 37.04% is lower than maximum 75%<br> Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 686 is higher than the required 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834580 | xxxxxx D A | Closed | xxxxxx | 2025-03-25 13:50 | 2025-03-31 17:10 | 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 1.3. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Please find the appraisal CU for review. - Seller-03/28/2025 <br>Open-Additional valuation product has not been provided. Provide the required secondary valuation to support the Appraisal value. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Please find the appraisal CU for review. - Seller-03/28/2025<br>| Resolved-Received SSR with a CU score of 1.3. - Due Diligence Vendor-03/31/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.07<br>Months Reserves exceed minimum required - 15.35 months reserves exceed required 3 by 12.35 month |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834597 | xxxxxx D A | Closed | xxxxxx | 2024-11-18 11:17 | 2024-11-21 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax provided. - Due Diligence Vendor-11/21/2024 <br>Ready for Review-Document Uploaded. A copy of the estimated property tax information has been uploaded, please clear condition. - Seller-11/19/2024 <br>Open-Missing Evidence of Property Tax Missing tax cert that reflects amount collected on Final Settlement Statement - Due Diligence Vendor-11/18/2024 | Ready for Review-Document Uploaded. A copy of the estimated property tax information has been uploaded, please clear condition. - Seller-11/19/2024<br>| Resolved-Evidence of Property Tax provided. - Due Diligence Vendor-11/21/2024<br>| Months Reserves exceed minimum required - 0 required, actual 123 months<br>Long term residence - Borrower at current residence from the past 25years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834597 | xxxxxx D A | Closed | xxxxxx | 2024-11-15 18:29 | 2024-11-21 17:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-W-8 (BEN) IRS Form provided - Due Diligence Vendor-11/21/2024 <br>Ready for Review-Document Uploaded. A copy of the executed W8 has been uploaded, please clear condition. - Seller-11/19/2024 <br>Open-W-8 (BEN) IRS Form - Due Diligence Vendor-11/15/2024 | Ready for Review-Document Uploaded. A copy of the executed W8 has been uploaded, please clear condition. - Seller-11/19/2024<br>| Resolved-W-8 (BEN) IRS Form provided - Due Diligence Vendor-11/21/2024<br>| Months Reserves exceed minimum required - 0 required, actual 123 months<br>Long term residence - Borrower at current residence from the past 25years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834602 | xxxxxx D A | Closed | xxxxxx | 2025-03-10 17:01 | 2025-03-14 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received missing pages to 1003. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. Provided a copy of page 2 and 3 of the final 1003, please clear condition. - Seller-03/13/2025 <br>Open------Final 1003 is incomplete. Missing pages 2-3 - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Provided a copy of page 2 and 3 of the final 1003, please clear condition. - Seller-03/13/2025<br>| Resolved-Received missing pages to 1003. - Due Diligence Vendor-03/14/2025<br>| DSCR % greater than 1.20 - DSCR 1.226<br>Months Reserves exceed minimum required - 98.26mos reserves. Per guides, 6 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834606 | xxxxxx C B A | Closed | xxxxxx | 2025-03-27 14:01 | 2025-03-27 14:15 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-06/05/2025 <br>Open-Subject acquired less than 6 months ago. - Due Diligence Vendor-03/27/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 680<br>Months Reserves exceed minimum required - 17.64 months reserves exceed required 6 by 11.64 months. | 17.64 months of reserves<br> 742 fico score | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 834606 | xxxxxx C B A | Closed | xxxxxx | 2025-03-27 10:50 | 2025-03-27 13:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/27/2025 <br> Open-Purchase price xxxxxx + improvements (documented) used for value per GL. Missing Management approval. (For all xxxxxxrefinances (rate/term and cash out) for a property purchased < 12 months ago: <br> • use acquisition cost plus documented improvements.<br> • Any transaction that provides cash out in excess of the actual borrower outlay will require Management approval) - Due Diligence Vendor-03/27/2025 |  | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 680<br>Months Reserves exceed minimum required - 17.64 months reserves exceed required 6 by 11.64 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834606 | xxxxxx C B A | Closed | xxxxxx | 2025-03-27 10:41 | 2025-03-27 13:49 | Resolved | 1 - Information C A | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Resolved-Remaining equity is greater than $40,000. - Due Diligence Vendor-03/27/2025 <br>Open-Remaining equity is less than $40,000 which does not meet guideline requirement. Per GL Cash out owned less than 12 months. Value is Purchase price + improvements. - Due Diligence Vendor-03/27/2025 |  | Resolved-Remaining equity is greater than $40,000. - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 680<br>Months Reserves exceed minimum required - 17.64 months reserves exceed required 6 by 11.64 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834607 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834611 | xxxxxx D A | Closed | xxxxxx | 2025-03-31 10:33 | 2025-04-02 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Insurance Policy - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. Please find the flood ins for review. - Seller-04/01/2025 <br>Open-Missing Flood Insurance Policy Missing flood insurance policy for subject property. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Please find the flood ins for review. - Seller-04/01/2025<br>| Resolved-Received Flood Insurance Policy - Due Diligence Vendor-04/02/2025<br>| DSCR % greater than 1.20 - Calculated DSCR of 1.30<br>Months Reserves exceed minimum required - Verified assets of 25.77 exceeds the minimum required of 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834615 | xxxxxx D A | Closed | xxxxxx | 2025-03-28 07:25 | 2025-04-03 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease agreements. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-xxxxxx lease agreement is on page 4 please clear findings. - Seller-04/01/2025 <br> Counter-Leases for xxxxxx and xxxxxx provided. Please provide the lease for xxxxxx - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. please find the lease for review. - Seller-03/31/2025 <br> Open-Provide the required 3 leases for the units xxxxxx and on loan xxxxxx the lease are imaged in that file. - Due Diligence Vendor-03/28/2025 | Ready for Review-xxxxxx lease agreement is on page 4 please clear findings. - Seller-04/01/2025 <br> Ready for Review-Document Uploaded. please find the lease for review. - Seller-03/31/2025 | Resolved-Received lease agreements. - Due Diligence Vendor-04/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 is higher than the required 680<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834615 | xxxxxx D A | Closed | xxxxxx | 2025-03-28 10:07 | 2025-04-01 16:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/legal. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Please find the DOT with Legal - Seller-03/31/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide the legal description to the Mortgage - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please find the DOT with Legal - Seller-03/31/2025<br>| Resolved-Received DOT w/legal. - Due Diligence Vendor-04/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 is higher than the required 680<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834618 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834619 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834621 | xxxxxx C A | Closed | xxxxxx | 2025-03-28 10:39 | 2025-04-16 16:19 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Letter to borrower provided removing prepay and intent to re-record the mortgage removing prepay has been provided. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-documents not included. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Please see Letter to borrower waiving prepayment penalty and letter of intent to re-record mortgage to remove prepayment penalty rider. Please clear finding. - Seller-04/16/2025 <br> Open-Note is missing the following verbiage required for Oregon: NOTICE TO THE BORROWER "Do not sign this loan agreement before you read it. This loan agreement provides for the payment of a penalty if you wish to repay the loan prior to the date provided for repayment in the loan agreement." xxxxxx. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Ready for Review-Please see Letter to borrower waiving prepayment penalty and letter of intent to re-record mortgage to remove prepayment penalty rider. Please clear finding. - Seller-04/16/2025<br>| Resolved-Letter to borrower provided removing prepay and intent to re-record the mortgage removing prepay has been provided. - Due Diligence Vendor-04/16/2025<br>| LTV is less than guideline maximum - LTV 40% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 801 is higher than the required 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834621 | xxxxxx C A | Closed | xxxxxx | 2025-03-28 10:12 | 2025-04-01 16:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. please find DOT for review. - Seller-03/31/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide the legal description to the mortgage - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. please find DOT for review. - Seller-03/31/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/01/2025<br>| LTV is less than guideline maximum - LTV 40% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 801 is higher than the required 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834623 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834625 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834628 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834654 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-05 11:16 | 2025-06-05 18:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Self-employed for > 10 years / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Buyer-05/07/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural property not Eligible per guides for xxxxxx - Due Diligence Vendor-05/05/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - DTI 29.04% is lower than allowable 50%<br>Months Reserves exceed minimum required - 41.60 months reserves exceed required 6 by 35.60 months. | Self-employed for > 10 years <br> DTI <= 36% which is below requirement in guidelines <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 | Investor Post-Close | No | xxxxxx |
| 834654 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-02 14:06 | 2025-05-07 09:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation of no affiliates. Finding resolved. - Due Diligence Vendor-05/07/2025 <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-05/02/2025 |  | Resolved-Received lender attestation of no affiliates. Finding resolved. - Due Diligence Vendor-05/07/2025<br>| Qualifying DTI below maximum allowed - DTI 29.04% is lower than allowable 50%<br>Months Reserves exceed minimum required - 41.60 months reserves exceed required 6 by 35.60 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 |
| 834656 | xxxxxx C B A | Closed | xxxxxx | 2025-04-23 13:20 | 2025-04-23 16:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to being less than a 5% overage on max LTV.<br> - Due Diligence Vendor-04/23/2025 <br>Open-Audited LTV of 78.71% exceeds Guideline LTV of 75% Exception for LTV<br> - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to being less than a 5% overage on max LTV.<br> - Due Diligence Vendor-04/23/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $29K residual income<br>Qualifying DTI below maximum allowed - 38.01% DTI is less than 50% minimum<br>Qualifying FICO score is at least 20 points above minimum for program - 733 FICO score is 20+ points above 680 minimum | - FICO score 10 points >minimum <br> - DTI<= 40%<br> - 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 | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 834671 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 10:01 | 2025-05-01 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received Gift Letter - Due Diligence Vendor-05/01/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing rent free letter - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Gift Letter - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - 28 months reserves exceed 6 month minimum <br>Qualifying DTI below maximum allowed - 27.28% DTI is below 50% maximum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834671 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 09:45 | 2025-04-29 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-04/29/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Flood Cert. - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - 28 months reserves exceed 6 month minimum <br>Qualifying DTI below maximum allowed - 27.28% DTI is below 50% maximum |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834671 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 10:23 | 2025-04-25 14:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-Material, Borrower lives rent free with spouse who owns the home and mortgage. No lates on credit. - Due Diligence Vendor-04/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception for rent free and first item investor - Due Diligence Vendor-04/25/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-Material, Borrower lives rent free with spouse who owns the home and mortgage. No lates on credit. - Due Diligence Vendor-04/25/2025<br>| Months Reserves exceed minimum required - 28 months reserves exceed 6 month minimum <br>Qualifying DTI below maximum allowed - 27.28% DTI is below 50% maximum | DTI is below requirements<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 |
| 834677 | xxxxxx D A | Closed | xxxxxx | 2025-04-11 16:40 | 2025-04-28 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-12-month mortgage history provided. The mortgage must be current at the time of application. - Due Diligence Vendor-04/28/2025 <br> Counter-Please provide proof of March Payment for the Primary residence. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-N/A - xxxxxx DSCR guidelines do not require this - see Section 5B "Gap Credit Reports are not required." - Buyer-04/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing proof of the March mortgage payment for the primary residence. - Due Diligence Vendor-04/14/2025 |  | Resolved-12-month mortgage history provided. The mortgage must be current at the time of application. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 735 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 73.42% and max allowed is 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834677 | xxxxxx D A | Closed | xxxxxx | 2025-04-10 16:40 | 2025-04-22 10:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received full Fraud report w/alerts addressed. - Due Diligence Vendor-04/22/2025 <br>Counter-Please provide the full Fraud Report for Review. - Due Diligence Vendor-04/17/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflects a Felony which case is not closed. If the fraud report cannot be electronically accessed to clear highlevel alerts with the fraud report provider's system, an Underwriter's Certification is acceptable. In addition the Underwriter's Certification must address each individual high alert and explain what actions were taken to satisfy the issues. It must be signed by an Analyst and executive level management per guidelines.<br> - Due Diligence Vendor-04/10/2025 |  | Resolved-Received full Fraud report w/alerts addressed. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 735 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 73.42% and max allowed is 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834677 | xxxxxx D A | Closed | xxxxxx | 2025-04-10 16:06 | 2025-04-22 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/17/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists All Interested Parties of the transaction have not been Checked with Exclusionary Lists. - Due Diligence Vendor-04/10/2025 |  | Resolved-Received All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 735 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 73.42% and max allowed is 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834677 | xxxxxx D A | Closed | xxxxxx | 2025-04-10 16:06 | 2025-04-22 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC Check - Due Diligence Vendor-04/17/2025 <br>Open-OFAC Check Not Completed and/or Cleared for all parties of the transaction. - Due Diligence Vendor-04/10/2025 |  | Resolved-Received OFAC Check - Due Diligence Vendor-04/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 735 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 73.42% and max allowed is 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834679 | xxxxxx C A | Closed | xxxxxx | 2025-04-24 08:55 | 2025-04-25 15:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of notary. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary Page is BLANK - Unsigned/Not Stamped by Notary - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Received complete security instrument inclusive of notary. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 753 Min FICO = 680<br>Months Reserves exceed minimum required - Reserves = 115 months – Required Reserves = 2 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834689 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 16:00 | 2025-05-09 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 8821 in lieu of the 4506-t/4506-C - Due Diligence Vendor-05/09/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-05/01/2025 |  | Resolved-Received 8821 in lieu of the 4506-t/4506-C - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 710<br>Months Reserves exceed minimum required - Guide 6, actual 16 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834774 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 15:30 | 2025-06-05 12:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Counter-xxxxxx balance on 3/27 was 52,614.49, which included $43,000 in gifts. We need to separate the gifts out because they cannot be used for reserves. Reviews balance is $814.49 ($52,614.49-$43,000 in gifts and $8,800 in cash deposits). xxxxxx balance on 3/25 is $133,622.92, which also includes $30,000 in gifts. Review balance is $103,622.92 ($133,622.92 minus $30,000 in gifts).<br> Assets verified $177,437.41.<br> xxxxxx $814.49<br> Gifts into xxxxxx $43,000<br> xxxxxx $103,622.92<br> Gifts into B of A $30,000<br> - Due Diligence Vendor-05/06/2025 <br> Counter-We have a total of $177,437.41 in verified assets. - Due Diligence Vendor-05/01/2025 <br> Open-Audited Reserves of 1.01 month(s) are less than Guideline Required Reserves of 6 month(s) - Based on assets provided EMD is not verified ($10K), cash deposits backed out and gifts cannot be used as reserves----Borrower provided LOEs show cash deposits. 2 of these are seasoned over 30 days and were not backed out. The other 2 are not seasoned and were backed out as cash is not eligible funds. ----Gifts from non-borrowing spouse (total $20K) are not fully documented (only 1 canceled check provided and shows deposited to borrower's account after the most recent statement end dates of xxxxxx for xxxxxx and xxxxxx for xxxxxx), additionally cash deposits from March are not eligible funds. - Due Diligence Vendor-04/17/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 39.59%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 660 | DTI <= 40% which is below requirement in guidelines <br> 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 | Investor Post-Close | No | xxxxxx |
| 834774 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 15:21 | 2025-05-09 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated VOR provided confirming the June 2024 payment was made. - Due Diligence Vendor-05/09/2025 <br> Counter-We are missing evidence the xxxxxx payment was made. - Due Diligence Vendor-05/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing June 2024 evidence payment was not 30 days late (pg 390). Ledger cuts off and does not reflect the payment was posted before 30 days. Borrower is a FHTB and may not have any lates in the most recent 12-months. VOR only verifies starting from 07/2024 so proof of prior payments is required to confirm 12 months. - Due Diligence Vendor-04/17/2025 |  | Resolved-Updated VOR provided confirming the June 2024 payment was made. - Due Diligence Vendor-05/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 39.59%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 660 |  | 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 |
| 834774 | xxxxxx C B A | Closed | xxxxxx | 2025-04-16 12:54 | 2025-04-29 11:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-04/16/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/29/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 39.59%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 660 |  | 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 |
| 834787 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-09 13:17 | 2025-06-05 17:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Property Issues are identified for the property Lender Exception: 1. Allow Investor concentration of 80% > maximum of 60% per guideline. 2. All single Entity (xxxxxx of xxxxxx total units) 60% vs The<br> maximum Single-Entity ownership percentage permitted in order to satisfy Non-QM requirements is 20% - Due Diligence Vendor-04/09/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - 112 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 690; guidelines require 640. | LTV 54% LTV. Allowed 70%. <br> Qualifying FICO score 690; guidelines require 660.<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 |
| 834787 | xxxxxx D B C A | Closed | xxxxxx | 2025-04-09 12:30 | 2025-04-15 11:11 | 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-04/15/2025 <br>Open-Additional valuation product has not been provided. Missing secondary evaluation - Due Diligence Vendor-04/09/2025 |  | Resolved-Received SSR with a CU score of 1. - Due Diligence Vendor-04/15/2025<br>| Months Reserves exceed minimum required - 112 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 690; guidelines require 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834796 | 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 |  |  |  |
| 834804 | xxxxxx C A | Closed | xxxxxx | 2025-05-08 09:07 | 2025-05-16 10:26 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, the loan file contained all required master liability coverage documentation. - Due Diligence Vendor-05/16/2025 <br> Open-Fidelity Coverage not met. Fidelity Coverage missing from Master Policy - Due Diligence Vendor-05/08/2025 |  | Resolved-Upon further review, the loan file contained all required master liability coverage documentation. - Due Diligence Vendor-05/16/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 749 Min FICO = 660 |  | 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 |
| 834807 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 10:14 | 2025-05-05 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-access letter provided. - Due Diligence Vendor-05/05/2025 <br> Counter-Received LOE from B2. Please provide a 100% access letter from the non-borrower account holder. - Due Diligence Vendor-05/02/2025 <br> Open-Missing 100% access ltr from B2 xxxxxx acct xxxxxx has 2nd non borrower in acct. - Due Diligence Vendor-04/25/2025 |  | Resolved-access letter provided. - Due Diligence Vendor-05/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 724; minimum 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834807 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 11:28 | 2025-04-29 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received acceptable LOE. - Due Diligence Vendor-04/29/2025 <br> Open-B1 has land was not reported on REO. if still owned xxxxxx. see pg 380. we need proof of taxes and would need to be added on REO. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received acceptable LOE. - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 724; minimum 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834812 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 834814 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 19:18 | 2025-04-24 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received executed Business Purpose Affidavit. - Due Diligence Vendor-04/24/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing SUBJECT LOAN DSCR. MISSING BUSINESS PURPOSE AFFIDAVIT. - Due Diligence Vendor-04/17/2025 |  | Resolved-Received executed Business Purpose Affidavit. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 737. Per guides, minimum score required 700.<br>Months Reserves exceed minimum required - 36.29mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834814 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 11:49 | 2025-04-22 11:03 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Document Uploaded. Borrower not identified on OFAC. - Due Diligence Vendor-04/22/2025 <br> Open-Borrower is in xxxxxx from xxxxxx on temporary basis via an Employment Authorization card. Per xxxxxx announcement non-permanent residents from xxxxxx are ineligible as they are now considered a country of concern for borrower's with Temporary Protected Status. - Due Diligence Vendor-04/18/2025 |  | Resolved-Document Uploaded. Borrower not identified on OFAC. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 737. Per guides, minimum score required 700.<br>Months Reserves exceed minimum required - 36.29mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834818 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 16:36 | 2025-04-24 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received fully executed Business Purpose Affidavit. - Due Diligence Vendor-04/24/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing SUBJECT LOAN DSCR. MISSING BUSINESS PURPOSE AFFIDAVIT. - Due Diligence Vendor-04/17/2025 |  | Resolved-Received fully executed Business Purpose Affidavit. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 737. Per guides, minimum score required 700.<br>Months Reserves exceed minimum required - 84.61mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834818 | xxxxxx D A | Closed | xxxxxx | 2025-04-18 12:10 | 2025-04-22 11:04 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Document Uploaded. Borrower not listed on OFAC search - Due Diligence Vendor-04/22/2025 <br> Open-Borrower is in xxxxxx from xxxxxx on temporary basis via an Employment Authorization card. Per xxxxxx announcement non-permanent residents from xxxxxx are ineligible as they are now considered a country of concern for borrower's with Temporary Protected Status. <br> - Due Diligence Vendor-04/18/2025 |  | Resolved-Document Uploaded. Borrower not listed on OFAC search - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 737. Per guides, minimum score required 700.<br>Months Reserves exceed minimum required - 84.61mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834825 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 12:53 | 2025-04-24 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, documentation to support the 2nd level review was completed was located in the loan file. - Due Diligence Vendor-04/24/2025 <br> Open-File is missing 2nd level review for DSCR < 1.0 - Due Diligence Vendor-04/18/2025 |  | Resolved-Upon further review, documentation to support the 2nd level review was completed was located in the loan file. - Due Diligence Vendor-04/24/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12<br>Months Reserves exceed minimum required - 13 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834864 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 834869 | 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 |  |  |  |
| 834877 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 834893 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 11:09 | 2025-05-07 13:31 | Resolved | 1 - Information A | Compliance | TRID | Reimbursement Amount Test | Resolved-Addressed in xxxxxx - Due Diligence Vendor-05/07/2025 <br> Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $5.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $1,350.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-05/06/2025 |  | Resolved-Addressed in xxxxxx - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - Borrower has 16.38 months of reserves and only needs 6 months to qualify.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 92 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 |
| 834893 | xxxxxx D A C | Closed | xxxxxx | 2025-05-06 11:09 | 2025-05-07 10:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD xxxxxx, COC xxxxxx. Finding resolved. - Due Diligence Vendor-05/07/2025 <br> Open-----\*\*NEW\*\*---- Zero (0%) tolerance fees increased by $1,350.00 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,350.00, 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. \*\*Received CD xxxxxx and COC xxxxxx. COC does not reflect increase. - Due Diligence Vendor-05/06/2025 |  | Resolved-Received CD xxxxxx, COC xxxxxx. Finding resolved. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - Borrower has 16.38 months of reserves and only needs 6 months to qualify.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 92 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 |
| 834893 | xxxxxx D A C | Closed | xxxxxx | 2025-04-28 14:37 | 2025-05-06 11:15 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding resolved. - Due Diligence Vendor-05/06/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation - Due Diligence Vendor-04/28/2025 |  | Resolved-Received CD xxxxxx. Finding resolved. - Due Diligence Vendor-05/06/2025 | Months Reserves exceed minimum required - Borrower has 16.38 months of reserves and only needs 6 months to qualify.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 92 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 |
| 834893 | xxxxxx D A C | Closed | xxxxxx | 2025-04-29 14:09 | 2025-05-05 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing . - Due Diligence Vendor-04/30/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-05/05/2025<br>| Months Reserves exceed minimum required - Borrower has 16.38 months of reserves and only needs 6 months to qualify.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 92 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 |
| 834893 | xxxxxx D A C | Closed | xxxxxx | 2025-04-29 14:11 | 2025-05-02 10:33 | Resolved | 1 - Information B A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC not requires on the underwriter and lender per guides. - Due Diligence Vendor-05/02/2025 <br>Open-OFAC Check Not Completed and/or Cleared for the Underwriter and the lender. - Due Diligence Vendor-04/30/2025 |  | Resolved-OFAC not requires on the underwriter and lender per guides. - Due Diligence Vendor-05/02/2025<br>| Months Reserves exceed minimum required - Borrower has 16.38 months of reserves and only needs 6 months to qualify.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 92 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 |
| 834905 | xxxxxx C A B | Closed | xxxxxx | 2025-05-01 15:08 | 2025-05-06 11:26 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report dated within 10 days of the note date for the borrower. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/06/2025<br>| Qualifying DTI below maximum allowed - The calculated DTI is 38.3%, guideline maximum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 755, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834905 | xxxxxx C A B | Closed | xxxxxx | 2025-05-01 15:08 | 2025-05-06 11:26 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-05/06/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing the required GAP credit report dated within 10 days of the note date for the co-borrower. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-05/06/2025<br>| Qualifying DTI below maximum allowed - The calculated DTI is 38.3%, guideline maximum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 755, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834905 | xxxxxx C A B | Closed | xxxxxx | 2025-04-30 11:20 | 2025-05-01 16:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-...Resolved by lender credit of $120 for increase in closing costs above legal limit. - Due Diligence Vendor-05/01/2025 <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 $120.00.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). ...Resolved by lender credit of $120 for increase in closing costs above legal limit. - Due Diligence Vendor-04/30/2025 |  | Resolved-...Resolved by lender credit of $120 for increase in closing costs above legal limit. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - The calculated DTI is 38.3%, guideline maximum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 755, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834920 | xxxxxx D A C | Closed | xxxxxx | 2025-04-18 13:32 | 2025-06-04 16:36 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, the loan file contained additional Schedule B Income - Due Diligence Vendor-05/13/2025 <br> Counter-Subject is Non QM. Reviewed terms are calculating at $17,306.84. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Uploading directly to xxxxxx - Buyer-05/07/2025 <br> Counter-Document was not attached. Please re-attach. - Due Diligence Vendor-05/06/2025 <br> Counter-Non QM - qualifying terms - Greater of Start Rate or Fully Indexed Rate at Full Amortized Payment. 8.125% and 240 amortized = $17,306.84. - Due Diligence Vendor-05/05/2025 <br> Counter-Statements provided. however DTI is > 55%. - Due Diligence Vendor-04/30/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income docs - statements for IRA distribution income to show continuance; DTI is 57%, max DTI per guide is 55% - Due Diligence Vendor-04/18/2025 |  | Resolved-Upon further review, the loan file contained additional Schedule B Income - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 797; minimum required 680.<br>LTV is less than guideline maximum - LTV 57%; max 90%. |  | 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 |
| 834920 | xxxxxx D A C | Closed | xxxxxx | 2025-04-18 13:36 | 2025-05-13 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, the loan file contained additional Schedule B Income - Due Diligence Vendor-05/13/2025 <br> Counter-Subject is Non QM. Reviewed terms are calculating at $17,306.84. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Uploading directly to xxxxxx - Seller-05/07/2025 <br> Counter-Non QM - qualifying terms - Greater of Start Rate or Fully Indexed Rate at Full Amortized Payment. 8.125% and 240 amortized = $17,306.84. - Due Diligence Vendor-05/05/2025 <br> Open-Audited DTI of 57.66% exceeds Guideline DTI of 55% Lender used a qualifying payment of $15,221.19, however verified qualifying P&I is $17,306.84, Max DTI 55% is permitted when the following requirements are met:<br> o Full Documentation only<br> o Primary residence only<br> o First Time Homebuyer is not permitted.<br> o Minimum FICO 700<br> o Max 80% LTV/CLTV<br> o Max loan amount $3M - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Uploading directly to xxxxxx - Seller-05/07/2025<br>| Resolved-Upon further review, the loan file contained additional Schedule B Income - Due Diligence Vendor-05/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 797; minimum required 680.<br>LTV is less than guideline maximum - LTV 57%; max 90%. |  | 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 |
| 834920 | xxxxxx D A C | Closed | xxxxxx | 2025-04-18 14:49 | 2025-04-30 11:08 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received statements confirming the distribution. - Due Diligence Vendor-04/30/2025 <br> Open-Missing statements for account ending in #9728 for IRA distribution income (to show continuance of income) - Due Diligence Vendor-04/18/2025 |  | Resolved-Received statements confirming the distribution. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 797; minimum required 680.<br>LTV is less than guideline maximum - LTV 57%; max 90%. |  | 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 |
| 834920 | xxxxxx D A C | Closed | xxxxxx | 2025-04-18 12:01 | 2025-04-28 14:29 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-The guides require a second appraisal on loan amounts greater than $3MM. - Due Diligence Vendor-04/28/2025 <br>Open-Two or more full valuation products were not provided.' 2nd Appraisal required for loans > $2,000,000. - Due Diligence Vendor-04/18/2025 |  | Resolved-The guides require a second appraisal on loan amounts greater than $3MM. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 797; minimum required 680.<br>LTV is less than guideline maximum - LTV 57%; max 90%. |  | 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 |
| 834920 | xxxxxx D A C | Closed | xxxxxx | 2025-04-18 12:01 | 2025-04-24 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Title does not indicate the property is a PUD. - Due Diligence Vendor-04/24/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-04/18/2025 |  | Resolved-Title does not indicate the property is a PUD. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 797; minimum required 680.<br>LTV is less than guideline maximum - LTV 57%; max 90%. |  | 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 |
| 834927 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 10:24 | 2025-04-25 14:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-xxxxxx report showing the submarket score of 3. Guidelines require market grade or Sub-Market grade must be 60 or greater.<br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan. - Due Diligence Vendor-04/25/2025 |  | Waived-xxxxxx report showing the submarket score of 3. Guidelines require market grade or Sub-Market grade must be 60 or greater.<br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR loan. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 786; guidelines require 680<br>LTV is less than guideline maximum - LTV 70% LTV. Allowed 75% | 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 |
| 834928 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 12:31 | 2025-04-28 08:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved------Received PCCD xxxxxx, corrected payees. Finding resolved. - Due Diligence Vendor-04/28/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Flood Certification Fee & Tax Service Fee in section B is payable to Lender; however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 3 Years: xxxxxx. - Due Diligence Vendor-04/22/2025 |  | Resolved------Received PCCD xxxxxx, corrected payees. Finding resolved. - Due Diligence Vendor-04/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 787 vs. minimum of 620<br>LTV is less than guideline maximum - 65% vs. max LTV of 85% |  | 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 |
| 834928 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 12:31 | 2025-04-28 08:41 | 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-04/28/2025 <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-04/22/2025 |  | Resolved------Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-04/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 787 vs. minimum of 620<br>LTV is less than guideline maximum - 65% vs. max LTV of 85% |  | 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 |
| 834928 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 12:48 | 2025-04-28 08:33 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-----Received Intent to Proceed dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/28/2025 <br> Open------Missing Intent to Proceed and POC Fees appear on Final CD (Appraisal Fee and Credit Report Fee). - Due Diligence Vendor-04/22/2025 |  | Resolved-----Received Intent to Proceed dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 787 vs. minimum of 620<br>LTV is less than guideline maximum - 65% vs. max LTV of 85% |  | 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 |
| 834928 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 12:20 | 2025-04-28 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure, Finding Resolved - Due Diligence Vendor-04/28/2025 <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-04/22/2025 |  | Resolved-Received Affiliated Business Disclosure, Finding Resolved - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 787 vs. minimum of 620<br>LTV is less than guideline maximum - 65% vs. max LTV of 85% |  | 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 |
| 834928 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 12:20 | 2025-04-28 08:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/28/2025 <br> Open-Homeownership Counseling Disclosure Is Missing -----Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Homeownership Counseling Disclosure dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 787 vs. minimum of 620<br>LTV is less than guideline maximum - 65% vs. max LTV of 85% |  | 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 |
| 834931 | xxxxxx C A | Closed | xxxxxx | 2025-04-21 13:31 | 2025-05-09 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx | Resolved-Received subordination agreement. xxxxxx has been added as a 2nd lien. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/08/2025 <br> Open-Subject property has xxxxxx which were excluded by lender in CLTV calculation. xxxxxx report on title as UCC financing and show a debt on credit report. Per xxxxxx must include the xxxxxx in other debt secured by the real estate in the CLTV ratio calculation because a UCC fixture filing\* is of record in the land records. The inclusion of the xxxxxx in CLTV would be 69.89% based on balance reporting on credit report. Loan is also missing subordination agreement for xxxxxx. Audit has excluded the xxxxxx pending additional documents from the lender. Additional conditions may apply. - Due Diligence Vendor-04/21/2025 |  | Resolved-Received subordination agreement. xxxxxx has been added as a 2nd lien. - Due Diligence Vendor-05/09/2025 | Qualifying DTI below maximum allowed - 33.32% vs. 50% max<br>LTV is less than guideline maximum - 66% vs. 80% |  | 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 |
| 834932 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 14:50 | 2025-05-02 11:26 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review supporting the appraised value with a 6.7% variance. - Due Diligence Vendor-05/02/2025 <br>Open-Additional valuation product has not been provided. Missing secondary valuation to support appraised value. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Desk Review supporting the appraised value with a 6.7% variance. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 749 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 120.55 exceeds the minimum required of 9 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 |
| 834932 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 19:12 | 2025-04-29 12:13 | Resolved | 1 - Information B A | Compliance | State Reg | Subprime Loan Test | Resolved-Compliant Subprime - Due Diligence Vendor-04/29/2025 <br>Open-Compliant Subprime-APR is within allowable threshold of excess of allowable threshold of APOR ------Compliant Subprime- APR on subject loan of 7.116% is within allowable threshold of APOR of 6.65% + 1.75% or 8.4%. - Due Diligence Vendor-04/25/2025 |  | Resolved-Compliant NY Subprime - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 749 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 120.55 exceeds the minimum required of 9 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 |
| 834932 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 08:29 | 2025-04-28 08:58 | 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-04/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 749 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 120.55 exceeds the minimum required of 9 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 |
| 834933 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 12:10 | 2025-05-13 12:10 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Upon further review, the Fraud Report and Credit Report supports the duration. - Due Diligence Vendor-05/13/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Rent free letters are missing the dates borrower lived at each residence - Due Diligence Vendor-05/05/2025 |  | Resolved-Upon further review, the Fraud Report and Credit Report supports the duration. - Due Diligence Vendor-05/13/2025<br>| Qualifying DTI below maximum allowed - The calculated DTI is 31.07%, max allowed is 50%.<br>Months Reserves exceed minimum required - Verified reserves equal 7.77 months, guidelines require 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834938 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 09:47 | 2025-05-06 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received SB 326 Inspection Report. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/02/2025 <br> Open-Missing proof of Structural Inspection, required in xxxxxx. xxxxxx. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received SB 326 Inspection Report. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 757 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834938 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 11:12 | 2025-05-01 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-xxxxxx guides do not require a condo questionnaire if a condo warranty is in the loan file. - Due Diligence Vendor-05/01/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA questionnaire - Have warranty review in the file. - Due Diligence Vendor-05/01/2025 |  | Resolved-xxxxxx guides do not require a condo questionnaire if a condo warranty is in the loan file. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 757 and minimum allowed is 680.<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834954 | xxxxxx D A | Closed | xxxxxx | 2025-04-10 19:40 | 2025-04-16 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-04/16/2025 <br> Open-MISSING LENDER DSCR CALCULATION WORKSHEET - Due Diligence Vendor-04/10/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - 73.76mos reserves. Per guides, 6 reserves required.<br>DSCR % greater than 1.20 - DSCR 1.294. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834970 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 834973 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 834974 | xxxxxx D A B | Closed | xxxxxx | 2025-04-16 10:07 | 2025-05-02 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Loan is an xxxxxx and the 4506 is not required. - Due Diligence Vendor-05/02/2025 <br> Counter-Received transcripts. Please provide executed 4506T/C - Due Diligence Vendor-05/01/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Executed 4506-T/4506-C is Missing-to support W2 income - Due Diligence Vendor-04/16/2025 |  | Resolved-Loan is an xxxxxx and the 4506 is not required. - Due Diligence Vendor-05/02/2025 | Months Reserves exceed minimum required - 13 months reserves exceed 0 months required<br>CLTV is less than guidelines maximum - CLTV of 69.74% is less than 75% maximum |  | 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 |
| 834974 | xxxxxx D A B | Closed | xxxxxx | 2025-04-16 10:22 | 2025-05-01 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry loe. - Due Diligence Vendor-05/01/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/16/2025 |  | Resolved-Received credit inquiry loe. - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - 13 months reserves exceed 0 months required<br>CLTV is less than guidelines maximum - CLTV of 69.74% is less than 75% maximum |  | 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 |
| 834974 | xxxxxx D A B | Closed | xxxxxx | 2025-04-15 10:07 | 2025-04-22 08:52 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-04/22/2025 <br> Open-Required Affiliated Business Disclosure Missing Please provide copy of affiliated business disclosure. Borrower has title fees in Section B of the Final CD, and payee is not listed on the SPL. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - 13 months reserves exceed 0 months required<br>CLTV is less than guidelines maximum - CLTV of 69.74% is less than 75% maximum |  | 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 |
| 834975 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 11:41 | 2025-06-05 18:14 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR's with a LCA score of 1 and CU score of 1.3 - Due Diligence Vendor-06/05/2025 <br> Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements. Provide a Collateral Underwriter® (CU) or Loan Collateral Advisor<br> (LCA). An eligible score is 2.5 or less. If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal. - Due Diligence Vendor-06/05/2025 |  | Resolved-Received SSR's with a LCA score of 1 and CU score of 1.3 - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - 7.7 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 693 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834975 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 10:00 | 2025-05-23 10:55 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received mortgage w/all signatures and intent to re-record. - Due Diligence Vendor-05/23/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. xxxxxx is listed as Title Holder on the DOT but there is no signature. - Due Diligence Vendor-05/01/2025 |  | Resolved-Received mortgage w/all signatures and intent to re-record. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 7.7 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 693 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834975 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 12:21 | 2025-05-07 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing .Missing copy of the borrower's Gap Report. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - 7.7 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 693 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 834975 | xxxxxx D B A | Closed | xxxxxx | 2025-05-01 10:21 | 2025-05-01 10:21 | 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-05/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - 7.7 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 693 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 834990 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834991 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834992 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834993 | xxxxxx D A | Closed | xxxxxx | 2025-04-08 08:51 | 2025-05-14 13:43 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title provided with correction. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/12/2025 <br> Open-Property Title Issue Title shows address as xxxxxx and actual address is xxxxxx per all other legal docs. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/12/2025<br>| Resolved-Final title provided with correction. - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 Min FICO- Borrowers mid FICO 700<br>LTV is less than guideline maximum - Max LTV 75%- Borrowers LTV 61.31% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834993 | xxxxxx D A | Closed | xxxxxx | 2025-04-08 08:36 | 2025-05-01 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received updated 1003 showing B2 as xxxxxx citizen and birth certificate showing born in xxxxxx. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see attached 1003 updated to show xxxxxx Citizen for B2, as validated with the borrower's Birth Certificate - Seller-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing B2 (xxxxxx) current Permanent Resident Alien Card, front and back. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see attached 1003 updated to show xxxxxx Citizen for B2, as validated with the borrower's Birth Certificate - Seller-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 | Resolved-Received updated 1003 showing B2 as xxxxxx citizen and birth certificate showing born in xxxxxx. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 Min FICO- Borrowers mid FICO 700<br>LTV is less than guideline maximum - Max LTV 75%- Borrowers LTV 61.31% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834993 | xxxxxx D A | Closed | xxxxxx | 2025-04-03 08:56 | 2025-04-11 16:47 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Received Correct Note and Mortgage. xxxxxx. was entered by mistake. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Please see attached Mortgage, signatures match borrower names: xxxxxx. and xxxxxx. - Seller-04/10/2025 <br> Counter-Note and Security instrument signature does not match-wet signature for xxxxxx does not match. Note and DOT reflect xxxxxx. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 <br> Open-Borrower 1 Signature does not match Note B1 signed mtg as as xxxxxx When Note and DOT describing the borrowers call him xxxxxx. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Please see attached Mortgage, signatures match borrower names: xxxxxx. and xxxxxx. - Seller-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 | Resolved-Received Correct Note and Mortgage. xxxxxx. was entered by mistake. - Due Diligence Vendor-04/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 Min FICO- Borrowers mid FICO 700<br>LTV is less than guideline maximum - Max LTV 75%- Borrowers LTV 61.31% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834994 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834995 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834996 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834997 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834998 | xxxxxx C A | Closed | xxxxxx | 2025-04-23 15:48 | 2025-04-23 15:50 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided confirming no damage from recent disasters. - Due Diligence Vendor-04/23/2025 <br> Open-xxxxxx; xxxxxx; Incident Period: xxxxxx.<br>PDI provided confirming no damage from recent disasters.<br> - Due Diligence Vendor-04/23/2025 |  | Resolved-PDI provided confirming no damage from recent disasters. - Due Diligence Vendor-04/23/2025<br>| LTV is less than guideline maximum - Max LTV is 80%, borrowers LtV is 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 737 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834998 | xxxxxx C A | Closed | xxxxxx | 2025-04-17 11:33 | 2025-04-23 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received UW attestation for xxxxxx type and review. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2025 <br> Counter-UW Attestation clearly stating project review completed resulting in xxxxxx being determined as warrantable Type Q required. May note on 1008 - Due Diligence Vendor-04/21/2025 <br> Ready for Review-We respectfully disagree. An additional attestation is not required as the 1008 was completed by the UW stating the xxxxxx Type Q Limited Review. A xxxxxx receiving limited review is warrantable since a non-warrantable xxxxxx would require a full review. - Seller-04/18/2025 <br> Open-UW Attestation was not provided with uploaded documents, please provide Warrantability Attestation - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2025 <br> Ready for Review-We respectfully disagree. An additional attestation is not required as the 1008 was completed by the UW stating the xxxxxx Type Q Limited Review. A xxxxxx receiving limited review is warrantable since a non-warrantable xxxxxx would require a full review. - Seller-04/18/2025 | Resolved-Received UW attestation for condo type and review. - Due Diligence Vendor-04/23/2025<br>| LTV is less than guideline maximum - Max LTV is 80%, borrowers LtV is 71.69<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 737 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 834999 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835000 | xxxxxx C B A | Closed | xxxxxx | 2025-04-09 12:25 | 2025-04-11 15:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted 4 months reserves post closing waiver applied with compactors - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/09/2025 <br> Open-Audited Reserves of 5.32 month(s) are less than Guideline Required Reserves of 6 month(s) 1. Lender exception obtained per UW notes on 1008 for reserves of 4m vs required 6m. Provide missing lender exception approval form. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/09/2025<br>| Waived-Originator exception granted 4 months reserves post closing waiver applied with compactors - Due Diligence Vendor-04/11/2025<br>| Long term residence - Borrower has resided in subject primary for 16 years.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 32.64%. | 10 years self employed; Mtg history: 0x30 for 24 months; 16 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 | Originator Post-Close | Yes | xxxxxx |
| 835001 | xxxxxx C B A | Closed | xxxxxx | 2025-04-01 15:29 | 2025-05-12 11:32 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received correct refund check for subject loan. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx uploaded the wrong scan of check. See attached - Seller-05/09/2025 <br> Counter-Received PCCD xxxxxx, LOX and evidence of delivery. Provide copy of check. (Check copy provided is not for this loan) - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 <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% ($700.00) exceed the comparable charges ($400.00) 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 $260 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 $260, 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-04/01/2025 | Ready for Review-Document Uploaded. xxxxxx uploaded the wrong scan of check. See attached - Seller-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 | Cured-Received correct refund check for subject loan. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - 9 months minimum reserve requirement, borrower has 9.74 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 715 |  | 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 |
| 835002 | xxxxxx C A | Closed | xxxxxx | 2025-04-02 07:12 | 2025-04-03 16:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, the loan file contained all required legal description documentation - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. The subject's legal description is on the DDT. Please see attached. - Seller-04/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide Exhibit A Legal Description. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. The subject's legal description is on the DDT. Please see attached. - Seller-04/02/2025<br>| Resolved-Upon further review, the loan file contained all required legal description documentation - Due Diligence Vendor-04/03/2025<br>| Months Reserves exceed minimum required - 2 months reserves required- Borrower has 84.23 months reserves <br>Long term residence - Borrower has resided at his primary for 15 years- Long term residence. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835004 | xxxxxx C A | Closed | xxxxxx | 2025-04-03 11:55 | 2025-04-25 17:05 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $ xxxxxx was provided. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement page reflecting final loan amount - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2025<br>| Resolved-Title Coverage Amount of $xxxxxx was provided. - Due Diligence Vendor-04/25/2025 | Months Reserves exceed minimum required - 2 months reserves required- Borrower has 100.45 months in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 765 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835005 | xxxxxx C B A | Closed | xxxxxx | 2025-04-11 12:54 | 2025-04-15 15:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver LTV 80% and cash out > $500,000 applied to non material finding with comp factors --Fico 788>680 - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/14/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Missing Exception for LTV exceeding 75% - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/14/2025<br>| Waived-Originator provided a waiver LTV 80% and cash out > $500,000 applied to non material finding with comp factors --Fico 788>680 - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 788<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 7.58% | Reserves: 48 months; DTI: 20+ points below maximum allowed; 0x30 on mortgage in past 24 months. | 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 |
| 835007 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835011 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 13:24 | 2025-05-01 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Supplemental report, p. 866, reflecting #7 & #8 will be removed and payoff of #11 as on the settlement statement. #10 does not affect the subject lien. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please refer the attached screenshot to clarify the xxxxxx pay off references the State Identification Number on title confirming the lien on title was the same as the pay off. Additionally, item #10 is an agreement recorded with the CC&Rs between the borrower and the builder of the home on how to resolve any possible future disputes, if applicable. It does not affect the lien position of our loan. Please see attached supplements. - Seller-04/29/2025 <br> Open-Title Document is Incomplete Missing Title Supplement reflecting item #7, #8, #11 and #10 has been omitted from policy. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Please refer the attached screenshot to clarify the xxxxxx pay off references the State Identification Number on title confirming the lien on title was the same as the pay off. Additionally, item #10 is an agreement recorded with the CC&Rs between the borrower and the builder of the home on how to resolve any possible future disputes, if applicable. It does not affect the lien position of our loan. Please see attached supplements. - Seller-04/29/2025 | Resolved-Supplemental report, p. 866, reflecting #7 & #8 will be removed and payoff of #11 as on the settlement statement. #10 does not affect the subject lien. - Due Diligence Vendor-05/01/2025<br>| Qualifying DTI below maximum allowed - DTI is 40.86% and max allowed is 50%<br> LTV is less than guideline maximum - LTV is 62.89% and max allowed is 70% |  | 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 |
| 835014 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835015 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835018 | 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 |  |  |  |
| 835020 | xxxxxx D B A | Closed | xxxxxx | 2025-04-02 12:25 | 2025-04-07 08:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver LTV , applied to non material findings with comp factors - Mtg history is paid excellent,. Fico is 786 with 4 mos additional reserves all borrowers own fund - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/02/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% Per xxxxxx, max LTV for Multi Fam is 70%. No exception found - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Please see attached approved exception. - Seller-04/02/2025<br>| Waived-Originator provided a waiver LTV , applied to non material findings with comp factors - Mtg history is paid excellent,. Fico is 786 with 4 mos additional reserves all borrowers own fund - Due Diligence Vendor-04/07/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrowers has 10.73 documented<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, Borrowers DSCR is 1.61 | FICO more than 20 points over<br> -0x30 mortgage history past 24 months<br> - ratio will be over 1.5 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 835020 | xxxxxx D B A | Closed | xxxxxx | 2025-04-02 11:56 | 2025-04-04 16:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Waived-Originator waiver applied to non-material findings as the BPO and Narrative was order simultaneously and the BPO came prior to the Narrative. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-We ask that this item be waived as the order of completion is irrelevant. Please note that this loan is for a xxxxxx Property (xxxxxx Units) and both, an appraisal and Commercial BPO, are required. As such, both products are ordered simultaneously as they are independently completed. In addition, we note that the xxxxxx by is actually higher than the Appraisal, therefore the the correct value from the appraisal was also used to qualify - Seller-04/02/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. - Due Diligence Vendor-04/02/2025 | Ready for Review-We ask that this item be waived as the order of completion is irrelevant. Please note that this loan is for a xxxxxx Property (xxxxxx Units) and both, an appraisal and Commercial BPO, are required. As such, both products are ordered simultaneously as they are independently completed. In addition, we note that the xxxxxx by is actually higher than the Appraisal, therefore the the correct value from the appraisal was also used to qualify - Seller-04/02/2025 | Waived-Originator waiver applied to non-material findings as the BPO and Narrative was order simultaneously and the BPO came prior to the Narrative. - Due Diligence Vendor-04/04/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrowers has 10.73 documented<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, Borrowers DSCR is 1.61 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 835020 | xxxxxx D B A | Closed | xxxxxx | 2025-03-28 13:13 | 2025-04-04 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Please see attached final CD. - Seller-04/02/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. CD is not executed - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached final CD. - Seller-04/02/2025<br>| Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-04/04/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrowers has 10.73 documented<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, Borrowers DSCR is 1.61 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835020 | xxxxxx D B A | Closed | xxxxxx | 2025-04-02 12:27 | 2025-04-04 16:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003 - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Please see attached Final signed 1003. - Seller-04/02/2025 <br>Open-Missing final executed 1003 - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Please see attached Final signed 1003. - Seller-04/02/2025<br>| Resolved-Received 1003 - Due Diligence Vendor-04/04/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrowers has 10.73 documented<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, Borrowers DSCR is 1.61 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835021 | xxxxxx D A | Closed | xxxxxx | 2025-04-11 14:31 | 2025-04-22 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received corrected security instrument reflecting correct property address within legal. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. See Mortgage Doc with Legal Description - Seller-04/21/2025 <br> Ready for Review-Please note that the missing t is irrelevant to the validity of the document. When recording, the Legal Description is what takes precedence and and holds legal weight. Since the Address is more descriptive, and the legal description is correct on the documents, we ask that this condition be waived. - Seller-04/21/2025 <br> Counter-Received xxxxxxy --subject address reflects error xxxxxx. Provide corrected instrument and intent to re record. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/11/2025 <br> Open-The Deed of Trust is Missing Provide the Deed of Trust. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. See Mortgage Doc with Legal Description - Seller-04/21/2025 <br>Ready for Review-Please note that the missing t is irrelevant to the validity of the document. When recording, the Legal Description is what takes precedence and and holds legal weight. Since the Address is more descriptive, and the legal description is correct on the documents, we ask that this condition be waived. - Seller-04/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/11/2025<br>| Resolved-Received corrected security instrument reflecting correct property address within legal. - Due Diligence Vendor-04/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 43.68%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 755 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835021 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 08:20 | 2025-04-22 16:11 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received corrected Note. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Please see attached note with the correction. In addition, a copy of the Compliance Agreement which allows the lender to correct loan documents for clerical issues. 1st page was corrected andattached as there are no signatures or initials needed on said page. We ask that this condition be waived. - Seller-04/21/2025 <br> Counter-Revised Note provided, however it is not signed by the borrower. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2025 <br> Counter-Please provide complete Note-all pages-reflecting corrected page 1. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached - Due Diligence Vendor-04/16/2025 <br> Open-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx Provide the corrected street name on the Note. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see attached note with the correction. In addition, a copy of the Compliance Agreement which allows the lender to correct loan documents for clerical issues. 1st page was corrected andattached as there are no signatures or initials needed on said page. We ask that this condition be waived. - Seller-04/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2025<br>| Resolved-Received corrected Note. - Due Diligence Vendor-04/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 43.68%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 755 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835022 | xxxxxx C A | Closed | xxxxxx | 2025-04-09 09:40 | 2025-04-10 15:32 | 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-04/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2025 <br>Open-LOX in file does not have all inquiries made in past 90 days - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentations - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 15.22 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 33.03% |  | 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 |
| 835022 | xxxxxx C A | Closed | xxxxxx | 2025-04-03 16:01 | 2025-04-09 14:59 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender credit on final CD is sufficient for tolerance violation. Finding Resolved. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Finding states the following: "Final CD includes $10 credit for increase in closing cost above legal limit. Finding Resolved" - Seller-04/09/2025 <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 $535.00.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 $525 (Appraisal Fee name) 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 $525, 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> -----Zero (0%) tolerance fees increased by $10 (Credit Report Fee) without a valid COC in file. Final CD includes $10 credit for increase in closing cost above legal limit. Finding Resolved<br> - Due Diligence Vendor-04/04/2025 | Ready for Review-Finding states the following: "Final CD includes $10 credit for increase in closing cost above legal limit. Finding Resolved" - Seller-04/09/2025<br>| Resolved-Lender credit on final CD is sufficient for tolerance violation. Finding Resolved. - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 15.22 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 33.03% |  | 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 |
| 835025 | 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 |  |  |  |
| 835030 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835036 | xxxxxx D A | Closed | xxxxxx | 2025-04-02 11:45 | 2025-04-30 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-The lender confirmed the lease in the file is correct. The actual term is 2 years through xxxxxx. - Due Diligence Vendor-04/30/2025 <br> Open-Correct the Lease term to match the Lease provided. - Due Diligence Vendor-04/02/2025 |  | Resolved-The lender confirmed the lease in the file is correct. The actual term is 2 years through xxxxxx. - Due Diligence Vendor-04/30/2025 | LTV is less than guideline maximum - 57.85% LTV; max 70% LTV<br>Months Reserves exceed minimum required - Required reserves 6 months- Borrower has 77.02 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835036 | xxxxxx D A | Closed | xxxxxx | 2025-04-02 12:15 | 2025-04-04 14:56 | 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-04/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/03/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/03/2025<br>| Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - 57.85% LTV; max 70% LTV<br>Months Reserves exceed minimum required - Required reserves 6 months- Borrower has 77.02 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835038 | xxxxxx C A | Closed | xxxxxx | 2025-04-07 20:14 | 2025-04-23 16:15 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Upon further review, loan was approved using the lower value. Guides allow as well. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2025 <br>Counter-Secondary valuation, BPO must support value within 10% variance. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Per 8.1.3 Appraisal Review Requirements: If FSD score or valuation from either of these companies is less than 90% of the appraised value, then the LTV will be calculated using the lower of the CDA, AVM, BPO or the ARR value. The LTV for the subject loan was based on the lower BPO value. - Seller-04/08/2025 <br>Open-Review product variance exceeds 10% - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2025 <br> Ready for Review-Per 8.1.3 Appraisal Review Requirements: If FSD score or valuation from either of these companies is less than 90% of the appraised value, then the LTV will be calculated using the lower of the CDA, AVM, BPO or the ARR value. The LTV for the subject loan was based on the lower BPO value. - Seller-04/08/2025 | Resolved-Upon further review, loan was approved using the lower value. Guides allow as well. - Due Diligence Vendor-04/23/2025<br>| LTV is less than guideline maximum - LTV is 65% vs program max allowed to 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 806 vs program min of 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835048 | 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 |  |  |  |
| 835049 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835050 | 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 |  |  |  |
| 835051 | xxxxxx C B A | Closed | xxxxxx | 2025-04-03 11:28 | 2025-04-03 11:30 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to thorough rental analysis performed by appraiser.<br> - Due Diligence Vendor-04/03/2025 <br> Open-Short term rental analysis used for market rent, no xxxxxx projection provided to compare. - Due Diligence Vendor-04/03/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to thorough rental analysis performed by appraiser.<br> - Due Diligence Vendor-04/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrowers FICO 801<br>Credit history exceeds minimum required - 24+ months credit history-long history back to 2005<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrowers reserves 10.09 months | FICO 20 pts over min<br> 24+ months credit history-long history back to 2005 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 835057 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 10:51 | 2025-04-10 10:55 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Page 2 with signatures received - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Document Uploaded. Please see attached. - Due Diligence Vendor-04/10/2025 <br>Open-Missing page 2 w/ signatures - Due Diligence Vendor-04/10/2025 |  | Resolved-Page 2 with signatures received - Due Diligence Vendor-04/10/2025<br>| Months Reserves exceed minimum required - 3 month minimum months reserves, borrower has 20.45 documented<br>DSCR % greater than 1.20 - DSCR 1.4 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835058 | 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 |  |  |  |
| 835060 | xxxxxx D A | Closed | xxxxxx | 2025-03-28 16:20 | 2025-04-02 16:51 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/31/2025 <br>Open-The Business Entity Formation Document is Missing No LLC docs provided - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/31/2025<br>| Resolved-Received Business Entity Documentation. - Due Diligence Vendor-04/02/2025<br>| Long term residence - 12 Years.<br>LTV is less than guideline maximum - LTV 37% LTV. Allowed 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835060 | xxxxxx D A | Closed | xxxxxx | 2025-03-28 16:32 | 2025-04-02 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received entity documentation. EIN not required. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/31/2025 <br>Open- - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/31/2025<br>| Resolved-Received entity documentation. EIN not required. - Due Diligence Vendor-04/02/2025<br>| Long term residence - 12 Years.<br>LTV is less than guideline maximum - LTV 37% LTV. Allowed 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835061 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 12:48 | 2025-04-22 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income calculations provided. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-B1 SSI = $3,397.20 from Award Letter<br> B1 Pension = ($10,039.44/12) = $836.62 From 1099<br> B2 Pension = ($5,994.12/12) = $499.51 From 1099<br> xxxxxx Guaranteed W/D = ($14,000.19 / 12) = $1,166.68/mth From Quarterly Statement<br> xxxxxx = ($615,672.62 x 70%) /60 mos = $7182.84/month From 1/31 Statement - Seller-04/21/2025 <br> Counter-Income calculation and resolution required. Audit unable to match 1003 income figures. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Please note that an income calculator is not required for this loan due to the income Type; For the Pension income, UW would use the amount from the 1099/12; for SSI the amount from the Award Letter, and for Asset Utilization the verified assets based on the ending balance from the statements provided/60 months. We don't use a specific calculator when using these types of income. We ask that this item be cleared - Seller-04/04/2025 <br> Open-Provide the Income Calculation Worksheet for all income. - Due Diligence Vendor-04/01/2025 | Ready for Review-B1 SSI = $3,397.20 from Award Letter<br> B1 Pension = ($10,039.44/12) = $836.62 From 1099<br> B2 Pension = ($5,994.12/12) = $499.51 From 1099<br> xxxxxx Guaranteed W/D = ($14,000.19 / 12) = $1,166.68/mth From Quarterly Statement<br> xxxxxx = ($615,672.62 x 70%) /60 mos = $7182.84/month From 1/31 Statement - Seller-04/21/2025 <br> Ready for Review-Please note that an income calculator is not required for this loan due to the income Type; For the Pension income, UW would use the amount from the 1099/12; for SSI the amount from the Award Letter, and for Asset Utilization the verified assets based on the ending balance from the statements provided/60 months. We don't use a specific calculator when using these types of income. We ask that this item be cleared - Seller-04/04/2025 | Resolved-Income calculations provided. - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - Required reserves 6 mths- Borrowers reserves 23.19 months<br>LTV is less than guideline maximum - Max LTV 75%- Borrowers LTV 71% |  | 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 |
| 835061 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 12:47 | 2025-04-22 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-xxxxxx accounts are authorized user accounts. Per guides xxxxxx accts are excluded. - Due Diligence Vendor-04/22/2025 <br> Counter-Duplicate xxxxxx is not included in 1008 DTI calculation $861 duplicates x3 and $454 duplicates 2x. Finding remains - Due Diligence Vendor-04/07/2025 <br> Ready for Review-We disagree that all xxxxxx accounts are required to be added; Please note that 2 of the 3 $861 and 1 of the 2 $454 accounts are authorized user accounts which are not required to be included. In addition, the Auth User accounts are also duplicates of the 2 accounts which were included. Please waive this condition as the accounts were validly excluded. - Seller-04/04/2025 <br> Counter-Duplicate xxxxxx is not included in 1008 DTI calculation $861 duplicates x3 and $454 duplicates 2x. Finding remains - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Please note the xxxxxx account was not omitted as evidenced on the final 1003. The balance increase was reported on the DV Credit Refresh and adjusted accordingly on the 1003. Please see attached. - Seller-04/02/2025 <br> Open-Provide proof of the duplicate xxxxxx accounts that were omitted from the DTI. - Due Diligence Vendor-04/01/2025 | Ready for Review-We disagree that all xxxxxx accounts are required to be added; Please note that 2 of the 3 $861 and 1 of the 2 $454 accounts are authorized user accounts which are not required to be included. In addition, the Auth User accounts are also duplicates of the 2 accounts which were included. Please waive this condition as the accounts were validly excluded. - Seller-04/04/2025 <br> Ready for Review-Document Uploaded. Please note the xxxxxx account was not omitted as evidenced on the final 1003. The balance increase was reported on the DV Credit Refresh and adjusted accordingly on the 1003. Please see attached. - Seller-04/02/2025 | Resolved-xxxxxx accounts are authorized user accounts. Per guides xxxxxx accts are excluded. - Due Diligence Vendor-04/22/2025 | Months Reserves exceed minimum required - Required reserves 6 mths- Borrowers reserves 23.19 months<br>LTV is less than guideline maximum - Max LTV 75%- Borrowers LTV 71% |  | 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 |
| 835061 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 11:42 | 2025-04-14 16:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary coverage reflecting sufficient coverage. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide final Title Policy with sufficient Title Coverage. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2025<br>| Resolved-Received updated preliminary coverage reflecting sufficient coverage. - Due Diligence Vendor-04/14/2025<br>| Months Reserves exceed minimum required - Required reserves 6 mths- Borrowers reserves 23.19 months<br>LTV is less than guideline maximum - Max LTV 75%- Borrowers LTV 71% |  | 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 |
| 835061 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 12:46 | 2025-04-03 15:56 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received UDM-account opened xxxxxx - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. The account in question was a recently opened account, with the balance and payment amount reported on xxxxxx on the attached DV credit refresh. The first payment would not have been available prior to the subject loan's funding date. - Seller-04/02/2025 <br> Open-Provide proof of the xxxxxx SE payment and balance. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. The account in question was a recently opened account, with the balance and payment amount reported on xxxxxx on the attached xxxxxx credit refresh. The first payment would not have been available prior to the subject loan's funding date. - Seller-04/02/2025 | Resolved-Received UDM-account opened xxxxxx - Due Diligence Vendor-04/03/2025 | Months Reserves exceed minimum required - Required reserves 6 mths- Borrowers reserves 23.19 months<br>LTV is less than guideline maximum - Max LTV 75%- Borrowers LTV 71% |  | 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 |
| 835063 | xxxxxx D A | Closed | xxxxxx | 2025-04-07 12:03 | 2025-04-09 17:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2025 <br> Open-Missing Third Party Fraud Report xxxxxx is missing from file upload - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - 2 months minimum reserve requirement, borrower has 6.72 documented<br>DSCR % greater than 1.20 - DSCR 1.40 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835065 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835066 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835068 | 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 |  |  |  |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-03-31 14:54 | 2025-04-14 17:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-The mortgage was provided and requires one witness, but one can be the notary, which met the guidelines. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Please note we have confirmed with Title; xxxxxx does not require witnesses. As such, we do not require it unless the county/state requires it for recording purposes. <br> - Seller-04/11/2025 <br> Counter-Received security instrument-missing witness. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Please see attached. - Seller-04/08/2025 <br> Counter-Please upload to condition - Due Diligence Vendor-04/08/2025 <br> Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT is not signed or dated and Notary is blank. - Due Diligence Vendor-03/31/2025 | Ready for Review-Please note we have confirmed with Title; xxxxxx does not require witnesses. As such, we do not require it unless the county/state requires it for recording purposes. <br> - Seller-04/11/2025 <br> Ready for Review-Please see attached. - Seller-04/08/2025 <br> Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025 | Resolved-The mortgage was provided and requires one witness, but one can be the notary, which met the guidelines. - Due Diligence Vendor-04/14/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-04-08 07:37 | 2025-04-11 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received final 1003 - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2025 <br> Counter-Please upload/attached executed final 1003 to condition - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Please see attached. - Seller-04/08/2025 <br> Counter-Please upload condition - Due Diligence Vendor-04/08/2025 <br> Ready for Review-New closing pkg with signed docs uploaded - Due Diligence Vendor-04/08/2025 <br> Open-The Final 1003 is Not Executed The final 1003 in file is missing for subject loan/borrower. The final/executed 1003 dated xxxxxx, was for the wrong borrower. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2025 <br>Ready for Review-Please see attached. - Seller-04/08/2025<br>| Resolved-Received final 1003 - Due Diligence Vendor-04/11/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 07:25 | 2025-04-11 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final CD - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. please see attached. - Seller-04/10/2025 <br> Counter-Please upload/attached Final Settlement HUD/CD - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Please see attached. - Seller-04/08/2025 <br> Counter-Please upload condition - Due Diligence Vendor-04/08/2025 <br> Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final CD in file is for wrong borrower. Figures input in Closing Details page are from CD date xxxxxx, not signed. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. please see attached. - Seller-04/10/2025 <br>Ready for Review-Please see attached. - Seller-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025<br>| Resolved-Received final CD - Due Diligence Vendor-04/11/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-04-01 07:28 | 2025-04-10 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received Escrow Waiver - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 <br>Counter-Please upload condition - Due Diligence Vendor-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025 <br>Open-Escrow acct statement in file is for wrong borrower. Missing IEADS or escrow waiver. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025<br>| Resolved-Received Escrow Waiver - Due Diligence Vendor-04/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 11:20 | 2025-04-10 16:18 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Received executed security deed - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. please see attached. - Seller-04/08/2025 <br> Counter-Please upload condition - Due Diligence Vendor-04/08/2025 <br> Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025 <br> Open-Borrower 1 Signature does not match Note Note and mortgage are not executed - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. please see attached. - Seller-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025<br>| Resolved-Received executed security deed - Due Diligence Vendor-04/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 09:17 | 2025-04-10 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received executed loan agreeement - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. please see attached. - Seller-04/08/2025 <br>Counter-Please upload condition - Due Diligence Vendor-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Provide fully executed Loan Agreement. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. please see attached. - Seller-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025<br>| Resolved-Received executed loan agreeement - Due Diligence Vendor-04/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-04-04 11:34 | 2025-04-10 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Upon further review, the loan file contained all required business purpose documentation received. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. please see attached. - Seller-04/08/2025 <br>Counter-Please upload condition - Due Diligence Vendor-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. please see attached. - Seller-04/08/2025 <br>Ready for Review-New closing pkg with signed docs uploaded - Seller-04/04/2025<br>| Resolved-Upon further review, the loan file contained all required business purpose documentation received. - Due Diligence Vendor-04/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835069 | xxxxxx D A | Closed | xxxxxx | 2025-04-08 07:35 | 2025-04-10 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received executed Note. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 <br> Counter-Please upload condition - Due Diligence Vendor-04/08/2025 <br> Ready for Review-New closing pkg with signed docs uploaded - Due Diligence Vendor-04/08/2025 <br> Open-Note is note executed. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 | Resolved-Received executed Note. - Due Diligence Vendor-04/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .75, borrower DSCR 1.468<br>Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 51.48m. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835070 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 16:38 | 2025-04-17 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-The subject phase is completed along with all prior phases. In addition, the projects elements are completed - Due Diligence Vendor-04/17/2025 <br> Ready for Review-We kindly disagree; please note that this is a new project. The complete project is not complete; however, the phase in which the subjects unit is located in is completed along with all prior phases. In addition, the projects elements are completed (See section II, Question 1C confirming first 3 sections are complete). It is our position that the condo meets guidelines. - Seller-04/11/2025 <br> Open-Per questionnaire, project is not 100% completed. The project, or the subject's legal phase along with other phases, must be complete. All common elements in the project or legal phase must be 100% completed. - Due Diligence Vendor-04/10/2025 | Ready for Review-We kindly disagree; please note that this is a new project. The complete project is not complete; however, the phase in which the subjects unit is located in is completed along with all prior phases. In addition, the projects elements are completed (See section II, Question 1C confirming first 3 sections are complete). It is our position that the condo meets guidelines. - Seller-04/11/2025 | Resolved-The subject phase is completed along with all prior phases. In addition, the projects elements are completed - Due Diligence Vendor-04/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, borrowers mid score is 789<br>LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835071 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 16:54 | 2025-04-22 15:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received receipt and source of initial escrow deposits. Sufficient reserves and closing funds. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Please refer to the attachment EMD where the closing agent states "Please be advised that we are in receipt of $150,270.00 in total deposits made in connection with the above referenced transaction. The funds were received via wire transfer and the funds have cleared." Deposit: $150,270 minus EMD paid on 05/16/2022 $50,090 = $100,180<br> - Seller-04/21/2025 <br> Counter-It appears the loan file is missing the source/receipt of the $100,180 portion of the Deposits. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-lease see attached breakdown of total funds required for closing and verified assets for both transactions. Please note the borrower paid initial EMDs for both properties in 2022. - Seller-04/16/2025 <br> Counter-Received duplicate EMD documentation-insufficient assets provided. xxxxxx $60,156.60 available funds ($86,676.58-fund to close from loan xxxxxx $26,519.98=$60,156.60) Finding remains. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $182,722.53 minus the EMD of $50,090 (please see attached); the borrower needed $132,632.53 verified. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $193820.92 minus the EMD of $52,590 (please see attached); the borrower needed $141,230.92 verified. The total cash and reserves required for both transactions were $273,863.45. The borrower had verified assets totaling $302,686.58 available towards both transactions; $86,676.58 in a checking account and $xxxxxx in a Line of Credit. Please see attached for supporting documentation. - Seller-04/11/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Full EMD not verified (only $50,090 verified) and reduced balance in account xxxxxx by amount due to close on simultaneous transaction loan xxxxxx results in short funds to close - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Please refer to the attachment EMD where the closing agent states "Please be advised that we are in receipt of $150,270.00 in total deposits made in connection with the above referenced transaction. The funds were received via wire transfer and the funds have cleared." Deposit: $150,270 minus EMD paid on 05/16/2022 $50,090 = $100,180<br> - Seller-04/21/2025 <br> Ready for Review-lease see attached breakdown of total funds required for closing and verified assets for both transactions. Please note the borrower paid initial EMDs for both properties in 2022. - Seller-04/16/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $182,722.53 minus the EMD of $50,090 (please see attached); the borrower needed $132,632.53 verified. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $193820.92 minus the EMD of $52,590 (please see attached); the borrower needed $141,230.92 verified. The total cash and reserves required for both transactions were $273,863.45. The borrower had verified assets totaling $302,686.58 available towards both transactions; $86,676.58 in a checking account and $xxxxxx in a Line of Credit. Please see attached for supporting documentation. - Seller-04/11/2025 | Resolved-Received receipt and source of initial escrow deposits. Sufficient reserves and closing funds. - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835071 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 16:48 | 2025-04-22 15:19 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received receipt and source of initial escrow deposits. Sufficient reserves and closing funds. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Please refer to the attachment EMD where the closing agent states "Please be advised that we are in receipt of $150,270.00 in total deposits made in connection with the above referenced transaction. The funds were received via wire transfer and the funds have cleared." Deposit: $150,270 minus EMD paid on 05/16/2022 $50,090 = $100,180<br> - Seller-04/21/2025 <br> Counter-It appears the loan file is missing the source/receipt of the $100,180 portion of the Deposits. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached breakdown of total funds required for closing and verified assets for both transactions. Please note the borrower paid initial EMDs for both properties in 2022. - Seller-04/16/2025 <br> Counter-Received duplicate EMD documentation-insufficient assets provided. xxxxxx $60,156.60 available funds ($86,676.58-fund to close from loan xxxxxx $26,519.98=$60,156.60) Finding remains. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $182,722.53 minus the EMD of $50,090 (please see attached); the borrower needed $132,632.53 verified. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $193820.92 minus the EMD of $52,590 (please see attached); the borrower needed $141,230.92 verified. The total cash and reserves required for both transactions were $273,863.45. The borrower had verified assets totaling $302,686.58 available towards both transactions; $86,676.58 in a checking account and $xxxxxx in a Line of Credit. Please see attached for supporting documentation. - Seller-04/11/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-63262.75'. Assets are Insufficient. Full EMD not verified (only $50,090 verified) and reduced balance in account xxxxxx by amount due to close on simultaneous transaction loan xxxxxx results in short funds to close - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Please refer to the attachment EMD where the closing agent states "Please be advised that we are in receipt of $150,270.00 in total deposits made in connection with the above referenced transaction. The funds were received via wire transfer and the funds have cleared." Deposit: $150,270 minus EMD paid on 05/16/2022 $50,090 = $100,180<br> - Seller-04/21/2025 <br> Ready for Review-Document Uploaded. Please see attached breakdown of total funds required for closing and verified assets for both transactions. Please note the borrower paid initial EMDs for both properties in 2022. - Seller-04/16/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $182,722.53 minus the EMD of $50,090 (please see attached); the borrower needed $132,632.53 verified. For Unit xxxxxx: The total funds required for EMD, closing and 2 mo. PITIA in reserves was $193820.92 minus the EMD of $52,590 (please see attached); the borrower needed $141,230.92 verified. The total cash and reserves required for both transactions were $273,863.45. The borrower had verified assets totaling $302,686.58 available towards both transactions; $86,676.58 in a checking account and $xxxxxx in a Line of Credit. Please see attached for supporting documentation. - Seller-04/11/2025 | Resolved-Received receipt and source of initial escrow deposits. Sufficient reserves and closing funds. - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835071 | xxxxxx C A | Closed | xxxxxx | 2025-04-10 16:56 | 2025-04-17 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-The subject phase is completed along with all prior phases. In addition, the projects elements are completed - Due Diligence Vendor-04/17/2025 <br>Ready for Review-We kindly disagree; please note that this is a new project. The complete project is not complete; however, the phase in which the subject unit is located is completed along with all prior phases. In addition, the project's elements are completed (See section II, Question 1C confirming first 3 sections are complete). It is our position that the condo meets guidelines. - Seller-04/11/2025 <br>Open-Per questionnaire, project is not 100% completed. The project, or the subject's legal phase along with other phases, must be complete. All common elements in the project or legal phase must be 100% completed.-Per guide requirement - Due Diligence Vendor-04/10/2025 | Ready for Review-We kindly disagree; please note that this is a new project. The complete project is not complete; however, the phase in which the subject unit is located is completed along with all prior phases. In addition, the project's elements are completed (See section II, Question 1C confirming first 3 sections are complete). It is our position that the condo meets guidelines. - Seller-04/11/2025<br>| Resolved-The subject phase is completed along with all prior phases. In addition, the projects elements are completed - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835072 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835074 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835075 | xxxxxx C A | Closed | xxxxxx | 2025-04-01 13:21 | 2025-04-09 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Prepay requirements for the lender do not have a rate restriction. - Due Diligence Vendor-04/09/2025 <br> Open---Per State Prepayment Penalty xxxxxx does not allow for a PP if interest rate is over 6% and closing in LLC or Ind - Due Diligence Vendor-04/01/2025 |  | Resolved-Prepay requirements for the lender do not have a rate restriction. - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - 92 mths reserves; 3 mths required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .80, DSCR = 1.028 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835080 | xxxxxx C A | Closed | xxxxxx | 2025-04-04 08:53 | 2025-04-09 12:16 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-The lender's prepay requirements do not have a rate restriction. - Due Diligence Vendor-04/09/2025 <br> Open-Prepayment penalty is permitted in xxxxxx if interest rate is equal to or less than 6% on a fixed rate when closing in LLC or as individual. Interest rate is 8.125% - Due Diligence Vendor-04/04/2025 |  | Resolved-The lender's prepay requirements do not have a rate restriction. - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - Guide 3 months, actual 9 months.<br>DSCR % greater than 1.20 - DSCR 1.65<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, borrower FICO 764. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835080 | xxxxxx C A | Closed | xxxxxx | 2025-04-04 07:20 | 2025-04-07 15:08 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004d final inspection. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Please see attached 1004D. - Seller-04/04/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Please see attached 1004D. - Seller-04/04/2025<br>| Resolved-Received 1004d final inspection. - Due Diligence Vendor-04/07/2025<br>| Months Reserves exceed minimum required - Guide 3 months, actual 9 months.<br>DSCR % greater than 1.20 - DSCR 1.65<br>Qualifying FICO score is at least 20 points above minimum for program - Guide 700, borrower FICO 764. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 835081 | xxxxxx C A | Closed | xxxxxx | 2025-04-12 09:48 | 2025-04-16 17:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Please note that according to the program guidelines, section 10.13 Hazard Insurance: The hazard insurance coverage should be equal to the lesser of: Replacement Cost Estimator, estimated cost to replace the dwelling from a recent appraisal, if provided, or the unpaid principal balance of the mortgage(s). The loan file contained the attached RCE with an estimate of $ xxxxxx. Therefore, the dwelling converge per the HOI in the amount of $ xxxxxx is sufficient. - Seller-04/14/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Dwelling coverage + extended coverage does not cover loan amount - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Please note that according to the program guidelines, section 10.13 Hazard Insurance: The hazard insurance coverage should be equal to the lesser of: Replacement Cost Estimator, estimated cost to replace the dwelling from a recent appraisal, if provided, or the unpaid principal balance of the mortgage(s). The loan file contained the attached RCE with an estimate of $ xxxxxx5. Therefore, the dwelling converge per the HOI in the amount of $ xxxxxx is sufficient. - Seller-04/14/2025 | Resolved-Received RCE - Due Diligence Vendor-04/16/2025<br>| Months Reserves exceed minimum required - 6 min months reserve required, borrower has 8.23<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 726 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835084 | xxxxxx B A | Closed | xxxxxx | 2025-04-16 16:06 | 2025-04-17 07:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator granted an exception. Waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Client provided an Exception to allow borrower not have a 12 month mortgage history, applied to non material finding with comp factors. - Due Diligence Vendor-04/16/2025 |  | Waived-Originator granted an exception. Waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - Borrower has 83.14 months of reserves and only needs 3 months to qualify.<br>Credit history exceeds minimum required - 0x30 credit history 24 months | reserves exceed minimum by 3+months<br> 0x30 credit history 24months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-04-02 15:08 | 2025-04-09 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received security instrument - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing Mortgage, upon receipt the Riders maybe required. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Received security instrument - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-04-02 15:59 | 2025-04-04 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received confirmation of condo type. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Please see UW comments on the attached 1008. - Seller-04/04/2025 <br> Open-Provide the UW Attestation advising based on the review is the xxxxxx warrantable or not warrantable. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Please see UW comments on the attached 1008. - Seller-04/04/2025<br>| Resolved-Received confirmation of condo type. - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-03-31 09:17 | 2025-04-04 15:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received IEADs - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-CD states escrow but IEAD not present<br> - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Received IEADs - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-04-02 14:43 | 2025-04-04 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Please see attached - Seller-04/04/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Provide the Business Purpose Affidavit Disclosure or the Affidavit of Occupancy. - Due Diligence Vendor-04/02/2025 | Ready for Review-Please see attached - Seller-04/04/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-03-31 08:55 | 2025-04-04 15:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-There are Issues Present on the Note that must be addressed. CD states PPP but note is missing PPP - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-03-31 08:55 | 2025-04-04 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received security instrument - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-The Deed of Trust is Missing Provide Deed of Trust - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Received security instrument - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-04-03 09:53 | 2025-04-03 14:40 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-For LTV greater than 65%, the max cash out allowed is $1,000,000. Provide an exception for the Cash Out. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-04/03/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 | FICO 80 + points above min<br> DTI 20% + below min.<br> 0x30 mtg history | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 835086 | xxxxxx D B A | Closed | xxxxxx | 2025-04-02 15:58 | 2025-04-03 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-"This is acceptable. This litigation is in reference to common charges with a counter suit by the HOA. This is not related to any structural integrity issues, not related to our borrower(s) or subject unit." - Due Diligence Vendor-04/03/2025 <br> Open-Open Litigations with units xxxxxx:Allegations by Commercial unit owners of inflated common charges., xxxxxx: Foreclosure and breach of contract for failure to pay common charges. - Due Diligence Vendor-04/02/2025 |  | Resolved-"This is acceptable. This litigation is in reference to common charges with a counter suit by the HOA. This is not related to any structural integrity issues, not related to our borrower(s) or subject unit." - Due Diligence Vendor-04/03/2025<br>| LTV is less than guideline maximum - Max LTV (Declining market) is 75%- Borrowers LTV 67.066%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 794 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835096 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835098 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835101 | xxxxxx C A | Closed | xxxxxx | 2025-04-14 09:10 | 2025-04-28 13:01 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-This requirement is not listed in the investors guidelines. - Due Diligence Vendor-04/28/2025 <br> Counter-State Specific Disclosure required for business purpose loans with prepayment penalties. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please note that the loan is a DSCR Business Purpose loan and PPP requirements does not pertain to Business Purpose Loans. Please see attached.<br> - Seller-04/16/2025 <br> Open-Note does not contain "LOAN PRODUCT CHOICE DISCLOSURE" I was provided with an offer to accept a product both with and without a prepayment penalty <br> provision. I have chosen to accept the product with a prepayment penalty." xxxxxx1){g){III).<br> - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please note that the loan is a DSCR Business Purpose loan and PPP requirements does not pertain to Business Purpose Loans. Please see attached.<br> - Seller-04/16/2025<br>| Resolved-This requirement is not listed in the investors guidelines. - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 721; guidelines require 700. <br>DSCR % greater than 1.20 - DSCR 1.214 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835101 | xxxxxx C A | Closed | xxxxxx | 2025-04-14 09:39 | 2025-04-23 15:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month housing history. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. Please see attached letter from borrower stating his xxxxxx ownership of xxxxxx. - Seller-04/22/2025 <br> Counter-Please provide the payment history for xxxxxx as this was the borrower prior primary residence. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/18/2025 <br> Counter-Received mortgage statement. Provide acceptable primary housing history for the past 12 months meeting guidelines section 6.7. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender to provide evidence the primary residence is owned free and clear or payment history for the mortgage. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please see attached letter from borrower stating his xxxxxx ownership of xxxxxx. - Seller-04/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2025 | Resolved-Received 12 month housing history. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 721; guidelines require 700. <br>DSCR % greater than 1.20 - DSCR 1.214 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835107 | xxxxxx C B A | Closed | xxxxxx | 2025-04-25 15:44 | 2025-04-29 11:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Client exception granted for mortgage payment history, waiver applied with compactors<br> - Due Diligence Vendor-04/29/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements 1x90 on mortgage in the past twelve months does not meet matrix requirements - Due Diligence Vendor-04/25/2025 |  | Waived-Client exception granted for mortgage payment history, waiver applied with compactors<br> - Due Diligence Vendor-04/29/2025<br>| Qualifying DTI below maximum allowed - Guide 50%, actual 3.27<br>Months Reserves exceed minimum required - Guide 3, actual 297 | DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines<br> Self-employed for > 5 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835114 | xxxxxx C A | Closed | xxxxxx | 2025-05-02 12:01 | 2025-05-13 12:00 | 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-05/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/12/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage not provided. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-05/13/2025<br>| LTV is less than guideline maximum - LTV 77%; max 90%.<br>Months Reserves exceed minimum required - 72 months PITIA reserves; 6 months 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 |
| 835114 | xxxxxx C A | Closed | xxxxxx | 2025-05-02 11:26 | 2025-05-13 11:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received additional Income documentation. Audited DTI of 43.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/12/2025 <br> Open-Audited DTI of 56.64% exceeds Guideline DTI of 50% Lender used a qualifying payment of $2634.41 for B1 primary residence, however property was just purchased xxxxxx and new PITI is $12,978.61. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received additional Income documentation. Audited DTI of 43.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/13/2025<br>| LTV is less than guideline maximum - LTV 77%; max 90%.<br>Months Reserves exceed minimum required - 72 months PITIA reserves; 6 months 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 |
| 835114 | xxxxxx C A | Closed | xxxxxx | 2025-05-02 11:28 | 2025-05-13 11:58 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received additional Income documentation. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/12/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI over 50%. Lender used a qualifying payment of $2634.41 for B1 primary residence, however property was just purchased xxxxxx and new PITI is $12,978.61. - Due Diligence Vendor-05/02/2025 |  | Resolved-Received additional Income documentation. - Due Diligence Vendor-05/13/2025<br>| LTV is less than guideline maximum - LTV 77%; max 90%.<br>Months Reserves exceed minimum required - 72 months PITIA reserves; 6 months 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 |
| 835120 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 08:54 | 2025-04-30 07:54 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/30/2025 <br> Open------NEW-- Missing Intent to Proceed, fees in Section B are paid outside of closing, therefore the Intent to Proceed is required. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received ITP dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 776.<br>LTV is less than guideline maximum - Guide 80%, actual 75%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835120 | xxxxxx D B A | Closed | xxxxxx | 2025-04-22 12:27 | 2025-04-30 07:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/28/2025 <br> Open-Homeownership Counseling Disclosure Is Missing -----Homeownership Counseling Disclosure Is Missing. - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Homeownership Counseling Disclosure dated xxxxxx. Finding resolved. - Due Diligence Vendor-04/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 776.<br>LTV is less than guideline maximum - Guide 80%, actual 75%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835120 | xxxxxx D B A | Closed | xxxxxx | 2025-04-22 12:27 | 2025-04-30 07:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure , finding Resolved - Due Diligence Vendor-04/28/2025 <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-04/22/2025 |  | Resolved-Received Required Affiliated Business Disclosure , finding Resolved - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 776.<br>LTV is less than guideline maximum - Guide 80%, actual 75%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835120 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 11:48 | 2025-04-24 11:17 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Second appraisal on page 205. - Due Diligence Vendor-04/24/2025 <br>Open-Two or more full valuation products were not provided.' Missing CU & LCA. - Due Diligence Vendor-04/23/2025 |  | Resolved-Second appraisal on page 205. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 776.<br>LTV is less than guideline maximum - Guide 80%, actual 75%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835120 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 11:48 | 2025-04-24 11:17 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Second appraisal on page 205. - Due Diligence Vendor-04/24/2025 <br>Open-Additional valuation product has not been provided. Missing 2nd full appraisal to support value. - Due Diligence Vendor-04/23/2025 |  | Resolved-Second appraisal on page 205. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 776.<br>LTV is less than guideline maximum - Guide 80%, actual 75%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835120 | xxxxxx D B A | Closed | xxxxxx | 2025-04-22 12:27 | 2025-04-22 13:15 | 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-04/22/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 776.<br>LTV is less than guideline maximum - Guide 80%, actual 75%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835126 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 16:26 | 2025-04-30 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | FEMA disaster declared within 120 days of Note (Credit) | Resolved-Received revised appraisal with comment regarding the disaster. No affect. - Due Diligence Vendor-04/30/2025 <br> Open-xxxxxx; Incident Period: xxxxxx - Due Diligence Vendor-04/25/2025 |  | Resolved-Received revised appraisal with comment regarding the disaster. No affect. - Due Diligence Vendor-04/30/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines. 6.11 years on the job.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835126 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 15:03 | 2025-04-23 14:26 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-04/22/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008//Approval - Due Diligence Vendor-04/16/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-04/22/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines. 6.11 years on the job.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835126 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 15:03 | 2025-04-23 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD. Audited Reserves of 6.1 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/22/2025 <br>Open-Audited Reserves of 5.69 month(s) are less than Guideline Required Reserves of 6 month(s) .Provide assets to support a full 6 months of reserves. - Due Diligence Vendor-04/17/2025 |  | Resolved-Received PCCD. Audited Reserves of 6.1 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/22/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines. 6.11 years on the job.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835126 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 14:25 | 2025-04-18 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Upon further review, non-arms length and escrow instruction were located in the file. - Due Diligence Vendor-04/18/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing copy of the Purchase Agreement. - Due Diligence Vendor-04/16/2025 |  | Resolved-Upon further review, non-arms length and escrow instruction were located in the file. - Due Diligence Vendor-04/18/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines. 6.11 years on the job.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835128 | xxxxxx C A | Closed | xxxxxx | 2025-04-22 13:37 | 2025-04-30 08:04 | 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-04/30/2025 <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.<br> - Due Diligence Vendor-04/22/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-04/30/2025 | Months Reserves exceed minimum required - Verified reserves equal 131 months, guidelines require 4 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 799 > 660 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 |
| 835132 | xxxxxx C B A | Closed | xxxxxx | 2025-05-08 12:04 | 2025-05-09 09:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property Condo. per the inspection report, there in on going repairs and the project is pending city recertification, but the inspection does state that it is habitable.<br> Client Exception granted and in file. Waiver applied with comp factors. Exception deemed non-material as not ATR affecting and strong compensating factors. Repairs required to lobby level of building for stucco and concrete repairs. Repairs are ongoing and started 6/24/2024. Engineer confirms building is structurally sound, no health/safety issues and repairs only impact the lobby level of the building and have no impact on subject unit. - Due Diligence Vendor-05/09/2025 |  | Waived-Property Issues are identified for the property Condo. per the inspection report, there in on going repairs and the project is pending city recertification, but the inspection does state that it is habitable.<br> Client Exception granted and in file. Waiver applied with comp factors. Exception deemed non-material as not ATR affecting and strong compensating factors. Repairs required to lobby level of building for stucco and concrete repairs. Repairs are ongoing and started 6/24/2024. Engineer confirms building is structurally sound, no health/safety issues and repairs only impact the lobby level of the building and have no impact on subject unit. - Due Diligence Vendor-05/09/2025 | Qualifying DTI below maximum allowed - Max 50%, actual 24.08%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 721<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Months Reserves exceed minimum required - 0 required, 1.31 months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score Credit Score 30+ points > minimum required<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 | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835172 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 19:22 | 2025-05-01 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit not required. - Due Diligence Vendor-05/01/2025 <br>Counter-Document was not attached. - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-04/28/2025 |  | Resolved-Gap credit not required. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 770 is higher than the minimum FICO required of 680<br>Months Reserves exceed minimum required - Verified assets of 21.4 exceeds the minimum required of 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 |
| 835173 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835189 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 09:19 | 2025-05-05 08:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-05/05/2025 <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-04/29/2025 |  | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-05/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 800 minimum score 720.<br>Long term residence - Long term 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 |
| 835208 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835210 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 08:27 | 2025-05-02 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. CREDIT REFRESH 4/30 - Buyer-05/01/2025 <br> Counter-Credit Report provided. Please provide the Gap Report. - Due Diligence Vendor-04/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-05/02/2025<br>| LTV is less than guideline maximum - LTV of 49.5% is below the maximum of 80% allowed per guidelines<br>Qualifying DTI below maximum allowed - DTI of 40.51% 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 |
| 835233 | xxxxxx D A | Closed | xxxxxx | 2025-04-29 10:18 | 2025-05-02 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/30/2025 <br>Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-04/29/2025 |  | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-05/02/2025<br>| Qualifying DTI below maximum allowed - 41.93% DTI is below 50% maximum allowed<br>Months Reserves exceed minimum required - 5.68 months reserve's exceed 4 month 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 |
| 835241 | xxxxxx C B A | Closed | xxxxxx | 2025-04-22 13:05 | 2025-05-06 10:41 | 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-05/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/02/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Preliminary title in the file does not list a title coverage amount. - Due Diligence Vendor-04/22/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 820, guideline minimum is 660.<br>LTV is less than guideline maximum - The calculated LTV is 68.18%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835241 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 14:02 | 2025-04-22 16:14 | 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-04/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 820, guideline minimum is 660.<br>LTV is less than guideline maximum - The calculated LTV is 68.18%, guideline maximum is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835242 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 17:11 | 2025-04-24 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien Note on subject. - Due Diligence Vendor-04/24/2025 <br>Open-Missing First Mtg Note for subject - Due Diligence Vendor-04/15/2025 |  | Resolved-Received 1st lien Note on subject. - Due Diligence Vendor-04/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum<br>Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum |  | 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 |
| 835242 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 17:08 | 2025-04-22 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validaiton. - Due Diligence Vendor-04/22/2025 <br> Open-Missing mortgage statement for subject property and for property xxxxxx on 1003 - Due Diligence Vendor-04/16/2025 |  | Resolved-Received PITIA validaiton. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum<br>Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum |  | 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 |
| 835242 | xxxxxx D B A | Closed | xxxxxx | 2025-04-16 09:23 | 2025-04-16 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Occupancy Not Allowed | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-EXCEPTION in file: Borrower is trying to get the equity out with closed end second program for xxxxxx properties. Both properties are currently occupied by borrower's parents (biological parents and parents in-law), claiming the occupancy as second home.<br> - Due Diligence Vendor-04/16/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 813 FICO score is 20+ points above 740 minimum<br>Qualifying DTI below maximum allowed - 4.95% DTI is below 50% maximum | Credit Score 30+ points > minimum required<br> Subject property home ownership > 2 years<br> DTI <= 36% which is below requirement 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 |
| 835246 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835306 | xxxxxx C A | Closed | xxxxxx | 2025-04-18 02:12 | 2025-04-22 10:02 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/22/2025 <br>Open-The Deed of Trust is Incomplete MISSING MORTGAGE INSTRUMENT LEGAL DESCRIPTION. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 764. Per guides, minimum score required 640.<br>Months Reserves exceed minimum required - 55.86mos reserves. Per guides, 2 reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835308 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835313 | xxxxxx C B A | Closed | xxxxxx | 2025-05-12 12:13 | 2025-05-12 12:37 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/05/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-05/12/2025 |  | Waived-Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/05/2025<br>| LTV is less than guideline maximum - Max 80%, actual 70%.<br>Months Reserves exceed minimum required - Min 3 months, actual 209. | LTV 10% or more below max allowed<br> Employed at same job > 10 years<br> Residual income more than 1.5 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 |
| 835315 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835321 | xxxxxx D A | Closed | xxxxxx | 2025-04-22 19:43 | 2025-04-29 10:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation of no affiliates. Finding resolved. - Due Diligence Vendor-04/29/2025 <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-04/22/2025 |  | Resolved-Received lender attestation of no affiliates. Finding resolved. - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 620, actual 805.<br>Months Reserves exceed minimum required - Guide 3 months, actual 54. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835330 | 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 |  |  |  |
| 835334 | 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 |  |  |  |
| 835336 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 13:08 | 2025-06-05 18:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Property is missing xxxxxx - Due Diligence Vendor-04/30/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 770 FICO score is 20+ points above 660 minimum<br>Months Reserves exceed minimum required - 6.25 months reserves exceed 4 month minimum | Credit Score 30+ points > minimum required <br> 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 | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835336 | xxxxxx C B A | Closed | xxxxxx | 2025-04-29 14:38 | 2025-05-05 11:12 | 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-04/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 770 FICO score is 20+ points above 660 minimum<br>Months Reserves exceed minimum required - 6.25 months reserves exceed 4 month minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835337 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835346 | xxxxxx D A | Closed | xxxxxx | 2025-04-25 07:50 | 2025-04-29 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received signed HUD-1 - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-HUD is not signed. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Received signed HUD-1 - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - Reserves = 39 months – Required Reserves = 2 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835347 | xxxxxx D A | Closed | xxxxxx | 2025-05-02 07:30 | 2025-05-08 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated statement and removed the xxxxxx authorized user account. Audited Reserves of 7.53 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. 5/7/25 - Please see updated transaction history increasing available balance to xxxxxx account xxxxxx. Please also see that Bwr is only an authorized user to the xxxxxx account being excluded from assets. Policy allows for debt to be excluded from Bwr's overall DTI with no adjustment to assets based on authorized user distinction. Please clear condition. - Buyer-05/07/2025 <br> Counter-xxxxxx matrix required 6 months of PITIA if LTV >= 80%. - Due Diligence Vendor-05/06/2025 <br> Open-Audited Reserves of 2.05 month(s) are less than Guideline Required Reserves of 6 month(s) Insuf Rsrvs - Due Diligence Vendor-05/02/2025 |  | Resolved-Received updated statement and removed the xxxxxx authorized user account. Audited Reserves of 7.53 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 640<br>Qualifying DTI below maximum allowed - Max 50%, actual 28%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835347 | xxxxxx D A | Closed | xxxxxx | 2025-05-02 06:56 | 2025-05-08 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement worksheet. - Due Diligence Vendor-05/08/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing lender income worksheet - Due Diligence Vendor-05/02/2025 |  | Resolved-Received bank statement worksheet. - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 640<br>Qualifying DTI below maximum allowed - Max 50%, actual 28%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835399 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 13:38 | 2025-05-15 14:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client waiver applied to non-material finding with compensating factors. DTI is 45.02, max 45% - Due Diligence Vendor-05/15/2025 <br>Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. 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 - Reserves exceed requirement by 10 months or more - Seller-05/15/2025 <br>Counter-Documentation is insufficient-borrowers are FTHB and max dti is 45.00. Audit income for B2 is slightly lower at $1,110.94 with dti 45.02. Finding remains. - Due Diligence Vendor-05/12/2025 <br>Open-Audited DTI of 45.02% exceeds Guideline DTI of 45% - Due Diligence Vendor-04/25/2025 | Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. 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 - Reserves exceed requirement by 10 months or more - Seller-05/15/2025<br>| Waived-Client waiver applied to non-material finding with compensating factors. DTI is 45.02, max 45% - Due Diligence Vendor-05/15/2025<br>| LTV is less than guideline maximum - 72.73% LTV is less than 85% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO score is 20+ points above 660 minimum | Credit Score 30+ points > minimum required<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835399 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 13:13 | 2025-05-15 13:59 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Credit Report Supplement | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factors - Due Diligence Vendor-06/09/2025 <br> Counter-Guidelines state - The total aggregate balance of accounts in dispute remaining unresolved can't exceed $2,000. Please provide a client approved exception. - Due Diligence Vendor-05/14/2025 <br> Open-Missing Credit Report Supplement for disputed account with xxxxxx - credit file should be documented with a credit supplement showing the account(s) have been resolved<br> - Due Diligence Vendor-04/25/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/09/2025<br>| LTV is less than guideline maximum - 72.73% LTV is less than 85% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO score is 20+ points above 660 minimum | Credit Score 30+ points > minimum required<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835399 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:22 | 2025-05-15 13:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Resolved-LOX provided. No gap, the borrower still works for xxxxxx and has been at his current employer for 1.68 years. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Loading directly in xxxxxx as the push from xxxxxx doesn't seem to have gone thru - Seller-05/15/2025 <br> Open-Gap in primary employment not explained. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Loading directly in xxxxxx as the push from 5/5 doesn't seem to have gone thru - Seller-05/15/2025 | Resolved-LOX provided. No gap, the borrower still works for xxxxxx and has been at his current employer for 1.68 years. - Due Diligence Vendor-05/15/2025 | LTV is less than guideline maximum - 72.73% LTV is less than 85% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO score is 20+ points above 660 minimum |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835399 | xxxxxx D B A | Closed | xxxxxx | 2025-04-28 13:30 | 2025-05-12 12:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-<br> Upon further review, the loan file contained all required employment documentation for B1. - Due Diligence Vendor-05/12/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months B1 has only been employed with current job for 1.8 years, no gap letter provided. - Due Diligence Vendor-04/28/2025 |  | Resolved-<br> Upon further review, the loan file contained all required employment documentation for B1. - Due Diligence Vendor-05/12/2025<br>| LTV is less than guideline maximum - 72.73% LTV is less than 85% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO score is 20+ points above 660 minimum |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835399 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 12:21 | 2025-05-12 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-05/12/2025 <br>Open-Title Document is Incomplete Missing title supplement with insured loan amount - Due Diligence Vendor-04/25/2025 |  | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-05/12/2025<br>| LTV is less than guideline maximum - 72.73% LTV is less than 85% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO score is 20+ points above 660 minimum |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835399 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 12:05 | 2025-04-28 14:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Insufficient Property coverage for total # of units on Master Policy.<br> Originator exception granted and in file. Waiver applied with compensating factors. Exception is deemed non-material due to non ATR affecting. Borrower does carry additional coverage of unit to cover shortage from Master Insurance. - Due Diligence Vendor-06/09/2025 |  | Waived-Insufficient Property coverage for total # of units on Master Policy.<br> Originator exception granted and in file. Waiver applied with compensating factors. Exception is deemed non-material due to non ATR affecting. Borrower does carry additional coverage of unit to cover shortage from Master Insurance. - Due Diligence Vendor-06/09/2025<br>| LTV is less than guideline maximum - 72.73% LTV is less than 85% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO score is 20+ points above 660 minimum | - LTV below maximum<br> - FICO score 728 | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 835399 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 12:43 | 2025-04-28 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-xxxxxx litigation from 2021 for a fall due to uneven pavement. Series injuries per complaint. Attorney letter in file indicating sufficient insurance to address the lawsuit. <br> Lawsuit with HOA as Plaintiff, page 1101<br> Wager litigation for wrongful termination of lease. Per attorney letter in file there is sufficient insurance to address the lawsuit. <br> - Due Diligence Vendor-04/28/2025 |  | Resolved-xxxxxx litigation from 2021 for a fall due to uneven pavement. Series injuries per complaint. Attorney letter in file indicating sufficient insurance to address the lawsuit. <br> Lawsuit with HOA as Plaintiff, page 1101<br> Wager litigation for wrongful termination of lease. Per attorney letter in file there is sufficient insurance to address the lawsuit. <br> - Due Diligence Vendor-04/28/2025 | LTV is less than guideline maximum - 72.73% LTV is less than 85% maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO score is 20+ points above 660 minimum |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835403 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835407 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835422 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835456 | xxxxxx C A B | Closed | xxxxxx | 2025-04-29 14:57 | 2025-05-28 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal. - Due Diligence Vendor-05/28/2025 <br> Counter-Client comments - Please advise. A xxxxxx is plugged in so this would not typically be asked for. In addition, for both appliances, the appraiser has clearly stated that xxxxxx. This is not a typical request. Please advise why this needed and if possible to move forward. There is no indication that this home would be not be functional in regard to those items within the report. xxxxxx. AUDIT RESPONSE - xxxxxx requires a xxxxxx). - Due Diligence Vendor-05/27/2025 <br> Counter-Please have the appraiser confirm there are hookups for the missing xxxxxx. - Due Diligence Vendor-05/12/2025 <br> Open-Unit xxxxxx missing all appliances<br> Unit xxxxxx missing xxxxxx<br>- Due Diligence Vendor-04/29/2025 |  | Resolved-Received revised appraisal. - Due Diligence Vendor-05/28/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 90% maximum<br>Qualifying DTI below maximum allowed - 35.69% DTI is below 50% maximum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835456 | xxxxxx C A B | Closed | xxxxxx | 2025-04-28 17:15 | 2025-04-30 09:15 | Resolved | 1 - Information B A | Compliance | State Reg | Subprime Loan Test | Resolved-Compliant Subprime- APR on subject loan of 6.996% is within allowable threshold of APOR of 6.65% + 1.75% or 8.4%. - Due Diligence Vendor-04/30/2025 <br> Open-Compliant Subprime-APR is within allowable threshold of APOR Compliant Subprime- APR on subject loan of 6.996% is within allowable threshold of APOR of 6.65% + 1.75% or 8.4%. - Due Diligence Vendor-04/28/2025 |  | Resolved-Compliant NY Subprime- APR on subject loan of 6.996% is within allowable threshold of APOR of 6.65% + 1.75% or 8.4%. - Due Diligence Vendor-04/30/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 90% maximum<br>Qualifying DTI below maximum allowed - 35.69% DTI is below 50% maximum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835460 | xxxxxx D B A | Closed | xxxxxx | 2025-04-18 12:35 | 2025-05-02 11:56 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD and verification of additional deposit. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. Re-uploading bank statement already in the loan file showing withdrawal of $170K final amount due at closing. - Buyer-05/01/2025 <br> Counter-Final Settlement state provided and wire receipt of $170k from xxxxxx provided, however the account balance on xxxxxx is $2, 2553.03. Please provide the source of the $170k. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. $170K came from borrower's account xxxxxx on xxxxxx prior to closing. See attached receipt from title and final settlement statement. - Buyer-04/24/2025 <br> Counter-PCCD provided, however we are missing the source of the additional deposit in the amount of $170k. - Due Diligence Vendor-04/23/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-167446.97'. Assets are Insufficient. Total Qualified Assets Post-Close amount is '$-167446.97'. Assets are Insufficient. - Due Diligence Vendor-04/18/2025 |  | Resolved-Received PCCD and verification of additional deposit. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 772.<br>LTV is less than guideline maximum - 67.57% LTV; 80% max allowed<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 32.26%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835460 | xxxxxx D B A | Closed | xxxxxx | 2025-04-18 13:27 | 2025-04-23 11:06 | Waived | 2 - Non-Material D B | Credit | Eligibility | Second Appraisal is Missing | Waived--Client exception granted to non-material findings. Subject loan is not HPML, seller guidelines incorrectly requires a 2nd full appraisal on all flip transactions. Client guidelines are met as a 2nd full appraisal is only required on a flip transaction that is HPML. - Due Diligence Vendor-04/23/2025 <br> Open-Property is a Flip. Purchased by seller xxxxxx for xxxxxx. More than a 10% increase in seller's acquisition cost to buyer's purchase price. The second appraisal must be dated prior to the loan consummation/note date. Sufficient documentation to validate the actual cost to xxxxxx (e.g., purchase contracts, plans and specifications, receipts, invoices, lien waivers, etc.) must be provided, if applicable. Additional findings may apply - Due Diligence Vendor-04/18/2025 |  | Waived--Client exception granted to non-material findings. Subject loan is not HPML, seller guidelines incorrectly requires a 2nd full appraisal on all flip transactions. Client guidelines are met as a 2nd full appraisal is only required on a flip transaction that is HPML. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 772.<br>LTV is less than guideline maximum - 67.57% LTV; 80% max allowed<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 32.26%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835472 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 15:29 | 2025-05-06 10:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client provided a waiver for flood insurance, applied to non material finding with comp factors. Borrower carries flood insurance for subject unit - Due Diligence Vendor-06/09/2025 <br>Open-Exception for HOA not providing flood insurance, homeowners must carry their own - Due Diligence Vendor-04/21/2025 |  | Waived-Client provided a waiver for flood insurance, applied to non material finding with comp factors. Borrower carries flood insurance for subject unit - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 699 FICO score is 20+ points above 660 minimum<br>Months Reserves exceed minimum required - 6.41 months reserves exceed 3 month minimum required | -FICO SCORE 30+ POINTS ABOVE MINIMUM<br> - RESERVES EXCEED REQUIREMENT BY 2 MONTHS OR MORE<br> - RESIDUAL INCOME MORE THAN 1.5X THE AMOUNT REQUIRED | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835472 | xxxxxx C B A | Closed | xxxxxx | 2025-04-21 15:15 | 2025-04-29 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the inquiry is for the subjects credit report. - Due Diligence Vendor-04/29/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/21/2025 |  | Resolved-Upon further review, the inquiry is for the subjects credit report. - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 699 FICO score is 20+ points above 660 minimum<br>Months Reserves exceed minimum required - 6.41 months reserves exceed 3 month 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 |
| 835480 | xxxxxx C A | Closed | xxxxxx | 2025-04-15 13:53 | 2025-05-01 11:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded Mortgage with legal - Due Diligence Vendor-05/01/2025 <br>Counter-Legal from Title provided, however we are missing the Legal attached to the mortgage and sent for recording. - Due Diligence Vendor-04/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description (Exhibit A) is missing. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received recorded Mortgage with legal - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 720 required Fico score, subject 782 verified. <br>Qualifying DTI below maximum allowed - 50% DTI required, subject 25.62% verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835480 | xxxxxx C A | Closed | xxxxxx | 2025-04-15 14:39 | 2025-04-25 08:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-04/25/2025 <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 ($34,696.80) does not exceed or equal the comparable sum of specific and non-specific lender credits ($36,403.00). 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 $36,403.00 to $34,696.80 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,706.20, 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-04/15/2025 |  | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 720 required Fico score, subject 782 verified. <br>Qualifying DTI below maximum allowed - 50% DTI required, subject 25.62% verified. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835487 | xxxxxx B A | Closed | xxxxxx | 2025-05-20 12:10 | 2025-05-20 12:10 | 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-05/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/20/2025<br>| Months Reserves exceed minimum required - 17.57mos reserves. Per guides, 6 reserves required.<br>Qualifying DTI below maximum allowed - Borr DTI 31.89%. Per guides, maximum DTI 50%. |  | 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 |
| 835513 | xxxxxx D A | Closed | xxxxxx | 2025-04-23 08:22 | 2025-06-04 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement Statement. - Due Diligence Vendor-05/06/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing Final Closing Disclosure. - Due Diligence Vendor-04/24/2025 |  | Resolved-Received Settlement Statement. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 730; guidelines require 700. <br>LTV is less than guideline maximum - LTV 52% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835517 | xxxxxx B A | Closed | xxxxxx | 2025-05-05 16:15 | 2025-05-13 11:29 | Resolved | 1 - Information B A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the Appraiser addressed the xxxxxx. - Due Diligence Vendor-05/13/2025 <br> Open-Appraisal missing comments as to if any of the comparable sales share subject's location of backing up to a xxxxxx property (PDF 561) and if there is any impact on value (no adjustments notable in xxxxxx). Photo located on PDF of xxxxxx in rear of subject. - Due Diligence Vendor-05/05/2025 |  | Resolved-Upon further review, the Appraiser addressed the xxxxxx. - Due Diligence Vendor-05/13/2025 | Months Reserves exceed minimum required - 341.37 months reserves and 3 months required.<br>LTV is less than guideline maximum - 61.04% LTV is less than 90% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835518 | xxxxxx D B A | Closed | xxxxxx | 2025-05-13 09:48 | 2025-05-28 09:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received Jan statement -3 months provided. - Due Diligence Vendor-05/28/2025 <br> Open-Per guide for Asset Depletion, 3 months of asset statement required, however xxxxxx acct xxxxxx missing 3rd statement. - Due Diligence Vendor-05/13/2025 |  | Resolved-Received Jan statement -3 months provided. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 771; minimum required 680.<br>Months Reserves exceed minimum required - 236 months PITIA reserves; 6 months 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 |
| 835518 | xxxxxx D B A | Closed | xxxxxx | 2025-05-13 09:41 | 2025-05-28 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOX. - Due Diligence Vendor-05/28/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/13/2025 |  | Resolved-Received credit inquiry LOX. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 771; minimum required 680.<br>Months Reserves exceed minimum required - 236 months PITIA reserves; 6 months 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 |
| 835518 | xxxxxx D B A | Closed | xxxxxx | 2025-05-13 15:45 | 2025-05-21 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Upon further review, the loan file contained all required income calculation documentation-worksheet not required. - Due Diligence Vendor-05/21/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-05/13/2025 |  | Resolved-Upon further review, the loan file contained all required income calculation documentation-worksheet not required. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 771; minimum required 680.<br>Months Reserves exceed minimum required - 236 months PITIA reserves; 6 months 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 |
| 835518 | xxxxxx D B A | Closed | xxxxxx | 2025-05-09 10:34 | 2025-05-09 12:39 | 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-05/09/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 771; minimum required 680.<br>Months Reserves exceed minimum required - 236 months PITIA reserves; 6 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 |
| 835521 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 16:00 | 2025-05-08 11:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-05/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A - legal description - Due Diligence Vendor-05/01/2025 |  | Resolved-Received Legal Description. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - Guide 6, actual 11.78<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835521 | xxxxxx D A | Closed | xxxxxx | 2025-05-02 12:57 | 2025-05-08 11:08 | 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 for both borrowers. - Due Diligence Vendor-05/08/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/02/2025 |  | Resolved-Received unexpired Gap report for both borrowers. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - Guide 6, actual 11.78<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835521 | xxxxxx D A | Closed | xxxxxx | 2025-05-02 12:45 | 2025-05-08 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-05/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/02/2025 |  | Resolved-Received VVOE. - Due Diligence Vendor-05/08/2025<br>| Months Reserves exceed minimum required - Guide 6, actual 11.78<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835521 | xxxxxx D A | Closed | xxxxxx | 2025-05-02 12:45 | 2025-05-08 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 is paid 1099 and a VOE or 3rd party verification is not required. - Due Diligence Vendor-05/06/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/02/2025 |  | Resolved-Borrower 2 is paid 1099 and a VOE or 3rd party verification is not required. - Due Diligence Vendor-05/06/2025<br>| Months Reserves exceed minimum required - Guide 6, actual 11.78<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835578 | xxxxxx D A | Closed | xxxxxx | 2025-04-15 11:08 | 2025-04-22 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Certification. - Due Diligence Vendor-04/22/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received Business Purpose Certification. - Due Diligence Vendor-04/22/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 773; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835583 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 835616 | xxxxxx B A | Closed | xxxxxx | 2025-04-28 15:41 | 2025-04-30 11:03 | Resolved | 1 - Information B A | Compliance | State Reg | Subprime Loan Test | Resolved-Compliant Subprime - Due Diligence Vendor-06/05/2025 <br>Open-Compliant Subprime-APR is within allowable threshold of excess of allowable threshold of APOR Compliant Subprime- APR on subject loan of 7.523% is within allowable threshold of APOR of 6.81% + 1.75% or 8.56%. - Due Diligence Vendor-04/28/2025 |  | Resolved-Compliant NY Subprime - Due Diligence Vendor-06/05/2025<br>| Qualifying DTI below maximum allowed - DTI 17.74% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 742 is higher than the required 720 |  | 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 |
| 835617 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835621 | xxxxxx D B A | Closed | xxxxxx | 2025-04-21 06:36 | 2025-06-04 10:30 | Waived | 2 - Non-Material D 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-06/04/2025 <br>Waived-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material findings. - Due Diligence Vendor-06/04/2025 <br>Waived-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/21/2025<br>| Qualifying DTI below maximum allowed - DTI of 37.65% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 38 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 |
| 835622 | xxxxxx C A B | Closed | xxxxxx | 2025-04-22 13:05 | 2025-05-12 16:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC for discount point fee increase is in file. Remainder of the tolerance violation is $100.00 which is resolved by the lender credit of $100 on final CD. - Due Diligence Vendor-05/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,305.20.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 $4,305.20 (Loan Discount Fee & 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 $4,305.20, 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-04/22/2025 |  | Resolved-COC for discount point fee increase is in file. Remainder of the tolerance violation is $100.00 which is resolved by the lender credit of $100 on final CD. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - verified reserves equal 36.97 months, guidelines require 6 months.<br>Qualifying DTI below maximum allowed - Calculated DTI is 25.25%, max allowed is 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835622 | xxxxxx C A B | Closed | xxxxxx | 2025-04-23 13:36 | 2025-05-12 16:24 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-After further review, the gap credit is good for 30 days. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Guidelines allow for Gap Credit to being within 30 days! xxxxxx<br> Guideline: 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 - Buyer-05/12/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 11 days old - Due Diligence Vendor-04/23/2025 |  | Resolved-After further review, the gap credit is good for 30 days. - Due Diligence Vendor-05/12/2025<br>| Months Reserves exceed minimum required - verified reserves equal 36.97 months, guidelines require 6 months.<br>Qualifying DTI below maximum allowed - Calculated DTI is 25.25%, max allowed is 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835624 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835647 | xxxxxx C B A | Closed | xxxxxx | 2025-05-09 10:49 | 2025-05-22 11:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument reflecting Notary signature and includes legal description. - Due Diligence Vendor-05/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing legal description and notary signature - Due Diligence Vendor-05/09/2025 |  | Resolved-Received complete security instrument reflecting Notary signature and includes legal description. - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 756 FICO, 700 required<br>Months Reserves exceed minimum required - 32 months reserves documented, 6 ,months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835647 | xxxxxx C B A | Closed | xxxxxx | 2025-05-09 12:57 | 2025-05-09 13:01 | 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-05/09/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 756 FICO, 700 required<br>Months Reserves exceed minimum required - 32 months reserves documented, 6 ,months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835668 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 11:18 | 2025-05-15 10:14 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received Affidavit of Correction and confirmation notary date xxxxxx. - Due Diligence Vendor-05/15/2025 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx Notary is xxxxxx, mortgage is dated xxxxxx - Due Diligence Vendor-04/17/2025 |  | Resolved-Received Affidavit of Correction and confirmation notary date xxxxxx. - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - 74 months reserves exceed 6 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - 716 FICO score is 20+ points above 680 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 |
| 835668 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 11:31 | 2025-04-24 15:59 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2025 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-04/17/2025 |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2025 | Months Reserves exceed minimum required - 74 months reserves exceed 6 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - 716 FICO score is 20+ points above 680 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 |
| 835668 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 11:31 | 2025-04-17 13:26 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2025 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx Notary is xxxxxx. Final CD and final 1003 dated by borrowers on xxxxxx. - Due Diligence Vendor-04/17/2025 |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2025<br>| Months Reserves exceed minimum required - 74 months reserves exceed 6 month minimum <br>Qualifying FICO score is at least 20 points above minimum for program - 716 FICO score is 20+ points above 680 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 |
| 835686 | xxxxxx B A | Closed | xxxxxx | 2025-05-19 13:52 | 2025-05-19 14:36 | 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-05/19/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2025 | Qualifying DTI below maximum allowed - DTI = 10.88% - Max DTI = 45%<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 49 months. |  | 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 |
| 835688 | xxxxxx B A | Closed | xxxxxx | 2025-04-24 13:04 | 2025-04-24 14:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2025 | Qualifying DTI below maximum allowed - DTI of 25.71% is less than the maximum allowed per guidelines of 49.99%<br>Months Reserves exceed minimum required - Verified assets of 6.16 exceeds the minimum required of 4 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 835711 | 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 |  |  |  |
| 835719 | xxxxxx C A | Closed | xxxxxx | 2025-04-28 04:21 | 2025-05-02 11:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-05/02/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Insufficient coverage ($75k). - Due Diligence Vendor-04/28/2025 |  | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-05/02/2025<br>| Qualifying DTI below maximum allowed - Max 43%, actual 31%.<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 769 |  | 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 |
| 835721 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835728 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835750 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835772 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835773 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 835780 | xxxxxx D A | Closed | xxxxxx | 2025-05-08 14:24 | 2025-05-21 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/21/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Subject is a xxxxxx, missing the condo questionnaire. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708<br>Months Reserves exceed minimum required - 11.93 mths reserves; 6 mths required. |  | 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 |
| 835809 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 07:47 | 2025-04-18 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received rent free verification-borrower has occupied subject 6+ or months. - Due Diligence Vendor-04/18/2025 <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 the condition. - Seller-04/14/2025 <br> Counter-Rent free letter. Per 9.2 Rate and Term Refinance at least one borrower on the new loan must be on title. Borrower was not put on title until closing. Borrower is not eligible for Rate/Term. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. Please see VOR - Seller-04/11/2025 <br> Open-Rate Term Refinance - ineligible transaction as there is no evidence of the Applicant residing at the property for 6 or more months immediately preceding the application date- property was deeded to the Applicant at closing - Due Diligence Vendor-04/08/2025 | 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 the condition. - Seller-04/14/2025 <br> Ready for Review-Document Uploaded. Please see VOR - Seller-04/11/2025 | Resolved-Received rent free verification-borrower has occupied subject 6+ or months. - Due Diligence Vendor-04/18/2025 | Months Reserves exceed minimum required - 6.53 months higher than 4 month minimum required <br>Qualifying DTI below maximum allowed - DTI 35.21% is less than Max Allowed 49.99%  |  | 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 |
| 835809 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 07:43 | 2025-04-14 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Received Rent Free. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. please see VOR - Seller-04/11/2025 <br> Open-Applicant was deeded the subject property at closing - existing mortgage not listed on credit report. Provide housing history for the applicant - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. please see VOR - Seller-04/11/2025 | Resolved-Received Rent Free. - Due Diligence Vendor-04/14/2025 | Months Reserves exceed minimum required - 6.53 months higher than 4 month minimum required <br>Qualifying DTI below maximum allowed - DTI 35.21% is less than Max Allowed 49.99%  |  | 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 |
| 835809 | xxxxxx D B A | Closed | xxxxxx | 2025-04-08 07:05 | 2025-04-09 15:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received EA verification. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Please see CPA validation from IRS website. It shows the CPA's name as enrolled agent. - Seller-04/08/2025 <br> Open-CPA Validation missing to ensure CPA Letter/P&L was not prepared by PTIN - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Please see CPA validation from IRS website. It shows the CPA's name as enrolled agent. - Seller-04/08/2025 | Resolved-Received EA verification. - Due Diligence Vendor-04/09/2025 | Months Reserves exceed minimum required - 6.53 months higher than 4 month minimum required <br>Qualifying DTI below maximum allowed - DTI 35.21% is less than Max Allowed 49.99%  |  | 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 |
| 835809 | xxxxxx D B A | Closed | xxxxxx | 2025-04-03 11:55 | 2025-04-03 11:55 | 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-04/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/03/2025 | Months Reserves exceed minimum required - 6.53 months higher than 4 month minimum required <br>Qualifying DTI below maximum allowed - DTI 35.21% is less than Max Allowed 49.99%  |  | 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 |
| 835840 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 10:07 | 2025-05-06 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received verification of employment. - Due Diligence Vendor-05/06/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE - Due Diligence Vendor-05/02/2025 |  | Resolved-Received verification of employment. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 766<br>LTV is less than guideline maximum - Max 85%, actual 36% |  | 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 |
| 835840 | xxxxxx D B A | Closed | xxxxxx | 2025-05-02 11:15 | 2025-05-02 11:17 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-xxxxxx deductible of 11% vs max allowable of 5%<br> Client Exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-05/02/2025 |  | Waived-Water Damage deductible of 11% vs max allowable of 5%<br> Client Exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not ATR affecting and strong compensating factors. - Due Diligence Vendor-05/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 660, actual 766<br>LTV is less than guideline maximum - Max 85%, actual 36% | LTV is 36% vs max allowable to 85%<br> Score is 766 vs program min of 680<br> DTI <40% with max allowable to 50%<br> Residual income is 2x above min required. | 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 |
| 835850 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835853 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 835864 | xxxxxx C A | Closed | xxxxxx | 2025-04-29 09:55 | 2025-05-01 11:01 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-L2S is a spouse of L1 which is acceptable visa category. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/29/2025 <br> Open-Citizenship document provided shows Visa Class L2S. Guidelines do not list this Visa class as being eligible. - Due Diligence Vendor-04/29/2025 |  | Resolved-L2S is a spouse of L1 which is acceptable visa category. - Due Diligence Vendor-05/01/2025 | LTV is less than guideline maximum - Guidelines allow LTV to 90%. Subject loan LTV is 80%.<br>Months Reserves exceed minimum required - Verified reserves equal 6.14 months, guidelines require 4 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 703, minimum required is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 835878 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 10:57 | 2025-06-05 17:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Client provided a waiver "add finding", applied to non material finding with comp factors - Due Diligence Vendor-05/07/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. 1.Missing Addendum 2, 1 and 3 were provided.<br> 2.Missing addendum/escrow instructions assigning buyer as xxxxxx. Amendment escrow instruction form is not executed - Due Diligence Vendor-04/17/2025 |  | Waived-Client provided a waiver "add finding", applied to non material finding with comp factors - Due Diligence Vendor-05/07/2025 | LTV is less than guideline maximum - Qualifying LTV 70%; max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 765; minimum required 640 | LTV/CLTV 10% 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 |
| 835878 | xxxxxx C B A | Closed | xxxxxx | 2025-04-17 11:23 | 2025-04-18 16:33 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The borrower had enough funds to close the 2 loans reviewed. - Due Diligence Vendor-04/18/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Purchase agreement shows the purchase of the subject is a portfolio purchase with xxxxxx additional REO. Document that funds available are sufficient to cover down payment, closing costs, and reserves for all xxxxxx purchases including subject xxxxxx. - Due Diligence Vendor-04/17/2025 |  | Resolved-The borrower had enough funds to close the 2 loans reviewed. - Due Diligence Vendor-04/18/2025 | LTV is less than guideline maximum - Qualifying LTV 70%; max 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 765; minimum required 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 835882 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835907 | xxxxxx C A | Closed | xxxxxx | 2025-04-24 04:46 | 2025-05-08 11:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received revised policy and RCE - Due Diligence Vendor-05/08/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Insufficient coverage. - Due Diligence Vendor-04/24/2025 |  | Resolved-Received revised policy and RCE - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - Guide 3, actual 48 months<br>Qualifying FICO score is at least 20 points above minimum for program - Guide min 660, actual 745. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 835923 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 835937 | xxxxxx C B A | Closed | xxxxxx | 2025-05-21 14:35 | 2025-05-22 09:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client exception granted to allow non-arms length transaction for investment, Non-material waiver applied with comp factors. non-material due to Low DTI, No rental income used to qualify, B1 buying parents home (current mortgage is a reverse mortgage no bailout). - Due Diligence Vendor-05/22/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Lender exception for non-arms length transaction. Daughter is buying parents home as an investment property. Per guidelines non-arms length transaction are ineligible for investment properties. - Due Diligence Vendor-05/21/2025 |  | Waived-Client exception granted to allow non-arms length transaction for investment, Non-material waiver applied with comp factors. non-material due to Low DTI, No rental income used to qualify, B1 buying parents home (current mortgage is a reverse mortgage no bailout). - Due Diligence Vendor-05/22/2025 | Months Reserves exceed minimum required - Total reserves required equal $11,630.10(3 months for the subject and 2 months for additional finance properties) total cash reserves equal $32,593.93.<br>Qualifying DTI below maximum allowed - The calculated DTI is 9.41%, guideline maximum is 50% | DTI is <=35% which is below the requirement in guidelines. <br> 0x30 for 48 months on all mortgages. <br> Self employed for greater than 10 years. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 835944 | 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 |  |  |  |
| 835991 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 21:02 | 2025-04-29 17:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved-Received final 1003-assets considered - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. They match. Please review again. - Seller-04/28/2025 <br> Counter-Received PCCD. Audit reserves 3.66<4 months P&I required. Account xxxxxx statement 2/28 balance differs from final 1003. Please update assets. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. REQUIRED RESERVE: $17,386.08 = [(4\*SUBJECT_P&I)]<br> The borrower has enough assets to cover it. Please waive the condition. - Seller-04/23/2025 <br> Open-Audited Reserves of 2.35 month(s) are less than Guideline Required Reserves of 4 month(s) Reserves are short. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. They match. Please review again. - Seller-04/28/2025 <br> Ready for Review-Document Uploaded. REQUIRED RESERVE: $17,386.08 = [(4\*SUBJECT_P&I)]<br> The borrower has enough assets to cover it. Please waive the condition. - Seller-04/23/2025 | Resolved-Resolved-Received final 1003-assets considered - Due Diligence Vendor-06/05/2025 | Verified employment history exceeds guidelines - Verified employment exceeds minimum history required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 732 is higher than 700 minimum |  | 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 |
| 835991 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 14:17 | 2025-04-25 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement worksheet. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. My xxxxxx. I've provided you the incorrect documents. Please find the correct income calculation and CPA letter. - Seller-04/25/2025 <br> Counter-1008 and 1003 reflect qualifying income for the borrower as $18,130.11. Income calc worksheet reflects $11,331.32. Provide income calculation worksheet supporting income reflecting on 1008/1003. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-($273,013.77-$1,062.11) / 12 / 2 (50%) = $11,331.32<br> Fixed Expense Ratio (50%)<br> Please review again - Seller-04/21/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Please provide the final /Lender Worksheet that list the 20% Expense Ratio that was used to calculate the final $18,130.11 income listed on the final 1008/1003 - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. My xxxxxx. I've provided you the incorrect documents. Please find the correct income calculation and CPA letter. - Seller-04/25/2025 <br> Ready for Review-($273,013.77-$1,062.11) / 12 / 2 (50%) = $11,331.32<br> Fixed Expense Ratio (50%)<br> Please review again - Seller-04/21/2025 | Resolved-Received business bank statement worksheet. - Due Diligence Vendor-04/25/2025 | Verified employment history exceeds guidelines - Verified employment exceeds minimum history required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 732 is higher than 700 minimum |  | 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 |
| 835991 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 14:17 | 2025-04-25 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC letter and income calc worksheet. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. My xxxxxx. I've provided you the incorrect documents. Please find the correct income calculation and CPA letter. - Seller-04/25/2025 <br> Counter-1008 and 1003 reflect qualifying income for the borrower as $18,130.11. Income calc worksheet reflects $11,331.32 reflective of 50% expense factor. Provide CTEC letter confirming expense factor of 20% to support income reflecting on 1003/1008. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-($273,013.77-$1,062.11) / 12 / 2 (50%) = $11,331.32<br> Fixed Expense Ratio (50%)<br> Please review again - Seller-04/21/2025 <br> Open-Borrower 1 CPA Letter Missing Please provide the final CPA Letter or Business Narrative that list the 20% Expense Ratio that was used to calculate the final $18,130.11 income listed on the final 1008/1003 - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. My xxxxxx. I've provided you the incorrect documents. Please find the correct income calculation and CPA letter. - Seller-04/25/2025 <br> Ready for Review-($273,013.77-$1,062.11) / 12 / 2 (50%) = $11,331.32<br> Fixed Expense Ratio (50%)<br> Please review again - Seller-04/21/2025 | Resolved-Received CTEC letter and income calc worksheet. - Due Diligence Vendor-04/25/2025 | Verified employment history exceeds guidelines - Verified employment exceeds minimum history required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 732 is higher than 700 minimum |  | 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 |
| 835991 | xxxxxx D A | Closed | xxxxxx | 2025-04-17 15:17 | 2025-04-25 09:08 | 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-04/25/2025 <br> Ready for Review-My xxxxxx. I've provided you the incorrect documents. Please find the correct income calculation and CPA letter. - Seller-04/25/2025 <br> Counter-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income findings - Due Diligence Vendor-04/22/2025 <br> Ready for Review-($273,013.77-$1,062.11) / 12 / 2 (50%) = $11,331.32<br> Fixed Expense Ratio (50%)<br> - Seller-04/21/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income findings - Due Diligence Vendor-04/17/2025 | Ready for Review-My xxxxxx. I've provided you the incorrect documents. Please find the correct income calculation and CPA letter. - Seller-04/25/2025 <br> Ready for Review-($273,013.77-$1,062.11) / 12 / 2 (50%) = $11,331.32<br> Fixed Expense Ratio (50%)<br> - Seller-04/21/2025 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/25/2025 | Verified employment history exceeds guidelines - Verified employment exceeds minimum history required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 732 is higher than 700 minimum |  | 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 |
| 835991 | xxxxxx D A | Closed | xxxxxx | 2025-04-16 20:18 | 2025-04-22 17:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received CTEC letter confirming no advertised phone number. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Please review the LOE again. - Seller-04/21/2025 <br> Open-Business Number internet search missing - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Please review the LOE again. - Seller-04/21/2025 | Resolved-Received CTEC letter confirming no advertised phone number. - Due Diligence Vendor-04/22/2025 | Verified employment history exceeds guidelines - Verified employment exceeds minimum history required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 732 is higher than 700 minimum |  | 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 |
| 836000 | xxxxxx C B A | Closed | xxxxxx | 2025-05-15 15:34 | 2025-05-19 10:53 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Ok to go to 90% with combination of business statements and asset utilization. - Due Diligence Vendor-05/19/2025 <br> Open-Ok to go to 90% with combination of business statements and asset utilization. - Due Diligence Vendor-05/15/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Ok to go to 90% with combination of business statements and asset utilization. - Due Diligence Vendor-05/19/2025 | Months Reserves exceed minimum required - 136 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 804; minimum required 660 | Credit Score 30+ points > minimum required<br> Residual income more than 1.5x the amount required by guidelines | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836005 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836042 | xxxxxx C B A | Closed | xxxxxx | 2025-05-12 16:31 | 2025-05-20 11:11 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received copy of seller's xxxxxx payoff and wire. - Due Diligence Vendor-05/20/2025 <br> Open-Property Title Issue Need evidence that the xxxxxx loan was collected on settlement. - Due Diligence Vendor-05/12/2025 |  | Resolved-Received copy of seller's xxxxxx payoff and wire. - Due Diligence Vendor-05/20/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 19.04 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 757 is more than 20 points higher than the guideline min of 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 |
| 836042 | xxxxxx C B A | Closed | xxxxxx | 2025-05-08 12:30 | 2025-05-08 14:27 | 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-05/08/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material findings. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 19.04 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 757 is more than 20 points higher than the guideline min of 680. |  | 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 |
| 836061 | xxxxxx D A C | Closed | xxxxxx | 2025-05-02 15:29 | 2025-05-12 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received primary appraisal. - Due Diligence Vendor-05/12/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Missing appraisal completed by xxxxxx. CDA, CU, and LCA reports in file all reference this appraisal, yet missing actual appraisal. Appraisal in file was completed by xxxxxx - Due Diligence Vendor-05/02/2025 |  | Resolved-Received primary appraisal. - Due Diligence Vendor-05/12/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 15%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 774 FICO; 680 required<br>Months Reserves exceed minimum required - 8.52 months PITIA reserves; 3 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 |
| 836061 | xxxxxx D A C | Closed | xxxxxx | 2025-05-01 11:08 | 2025-05-08 10:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received LE xxxxxx with COC. Finding resolved. - Due Diligence Vendor-05/08/2025 <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 $86.00.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-05/08/2025 |  | Resolved------Received LE xxxxxx with COC. Finding resolved. - Due Diligence Vendor-05/08/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 15%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 774 FICO; 680 required<br>Months Reserves exceed minimum required - 8.52 months PITIA reserves; 3 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 |
| 836087 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 15:25 | 2025-05-05 10:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-The AUS in the loan file did not require verification of a housing history. - Due Diligence Vendor-04/30/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-04/28/2025 |  | Resolved-The AUS in the loan file did not require verification of a housing history. - Due Diligence Vendor-04/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 712 FICO score is 20+ points above 660 minimum<br>Months Reserves exceed minimum required - 10 months reserves exceed 3 month minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836087 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 15:25 | 2025-04-30 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The AUS in the loan file did not require verification of a housing history. - Due Diligence Vendor-04/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing current housing history - Due Diligence Vendor-04/28/2025 |  | Resolved-The AUS in the loan file did not require verification of a housing history. - Due Diligence Vendor-04/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 712 FICO score is 20+ points above 660 minimum<br>Months Reserves exceed minimum required - 10 months reserves exceed 3 month minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836107 | xxxxxx D B A | Closed | xxxxxx | 2025-04-17 15:01 | 2025-05-16 09:00 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Exception for withdrawal slip not listing the donors name. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Self-employed for > 2 years - Buyer-05/15/2025 <br> Counter-Received copies of gift checks. 1. $40,000.13 does not reflect remitter-provide donors withdrawal slip or statement. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing verification of donor's availability of gift funds for $40,000.13, $15,000 and $11,000 gifts that were deposited. Guidelines require a copy of the donor's check and the borrower's deposit slip or a copy of the donor's withdrawal slip and the borrower's deposit slip. - Due Diligence Vendor-04/17/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for withdrawal slip not listing the donors name. - Due Diligence Vendor-05/16/2025 | On time mortgage history exceeds guideline requirement - 0x30 for 65 months for departure mortgage and 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 674 FICO exceeds 660 minimum required. | Credit Score 30+ points > minimum required<br> Self-employed for > 2 years<br> 0x30x65 | 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 |
| 836107 | xxxxxx D B A | Closed | xxxxxx | 2025-04-17 14:43 | 2025-04-21 10:32 | Waived | 2 - Non-Material C B | Credit | Debt | Missing proof of liability not disclosed on credit report | Waived-Client provided a waiver for installment debt to xxxxxx included on 1003-not recorded on subject, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2025 <br> Open-Missing documentation for installment debt to xxxxxx included on 1003. Audit included the debt as reflected on 1003. - Due Diligence Vendor-04/17/2025 |  | Waived-Client provided a waiver for installment debt to xxxxxx included on 1003-not recorded on subject, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2025 | On time mortgage history exceeds guideline requirement - 0x30 for 65 months for departure mortgage and 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 674 FICO exceeds 660 minimum required. | . Compensating Factor 1 - Residual income more than 2x the amount required by guidelines / Compensating Factor 2 - Self-employed for > 2 years | 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 |
| 836107 | xxxxxx D B A | Closed | xxxxxx | 2025-04-17 13:24 | 2025-04-21 10:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived-Client provided a waiver for motivation letter regarding new smaller primary residence, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2025 <br> Open-Missing satisfactory letter of motivation for purchasing new primary with less square footage that is located xxxxxx. xxxxxx is xxxxxx sq ft xxxxxx and subject is xxxxxx sq ft xxxxxx. Appears subject could be used for investment purposes. - Due Diligence Vendor-04/17/2025 |  | Waived-Client provided a waiver for motivation letter regarding new smaller primary residence, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2025 | On time mortgage history exceeds guideline requirement - 0x30 for 65 months for departure mortgage and 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 674 FICO exceeds 660 minimum required. | Compensating Factor 1 - Residual income more than 2x the amount required by guidelines / Compensating Factor 2 - Self-employed for > 2 years | 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 |
| 836107 | xxxxxx D B A | Closed | xxxxxx | 2025-04-17 14:20 | 2025-04-18 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The guidelines for xxxxxx - 1099 borrowers do not require employment verification. - Due Diligence Vendor-04/18/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing, required for self-employed borrowers - Existence of the borrower's business is to be verified within 90 days prior to the Note date with 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. - Due Diligence Vendor-04/17/2025 |  | Resolved-The guidelines for xxxxxx - 1099 borrowers do not require employment verification. - Due Diligence Vendor-04/18/2025 | On time mortgage history exceeds guideline requirement - 0x30 for 65 months for departure mortgage and 12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 674 FICO exceeds 660 minimum 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 |
| 836108 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836113 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 836115 | xxxxxx C A | Closed | xxxxxx | 2025-04-24 09:53 | 2025-04-28 11:00 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-04/28/2025 <br> Open-The Business Entity Formation Document is Missing - Missing The Business Entity Formation Document/ EIN/Tax Identification Number - Due Diligence Vendor-04/24/2025 |  | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-04/28/2025 | Months Reserves exceed minimum required - 98.08mos reserves. Per guides, 2 reserves required.<br> DSCR % greater than 1.20 - DSCR 1.35. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836126 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836129 | xxxxxx C A | Closed | xxxxxx | 2025-04-24 13:41 | 2025-05-05 10:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-05/05/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust.. - Due Diligence Vendor-04/24/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-05/05/2025<br>| Months Reserves exceed minimum required - Verified assets of 8.73 exceeds the minimum required of 6 months<br>On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 69 months |  | 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 |
| 836162 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 10:16 | 2025-05-19 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received VVOE dated within 10 days. - Due Diligence Vendor-05/19/2025 <br> Open-The VVOE provided is dated xxxxxx, the closing date is xxxxxx(per the notary date of the mortgage). VVOE is not within 10 days of closing. Letter from the lender states the mortgage had to be redrawn resulting in the notary date being xxxxxx. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received VVOE dated within 10 days. - Due Diligence Vendor-05/19/2025<br>| Months Reserves exceed minimum required - Verified reserves equal 27.86 months, guidelines require 4 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 681, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836173 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-05 13:44 | 2025-06-05 18:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Non-Material as the borrowers are living in their xxxxxx for the past 6 months. - Due Diligence Vendor-06/05/2025 <br> Counter-Received LOE from borrower confirming mailing address only-rent free letter from owner of property as noted as current address. - Due Diligence Vendor-05/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing Living rent free letter. borrowers have been living rent free 6 months.<br> - Due Diligence Vendor-05/05/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Non-Material as the borrowers are living in their xxxxxx for the past 6 months. - Due Diligence Vendor-06/05/2025 | Qualifying DTI below maximum allowed - DTI below 35%- max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790; minimum score 660. | Credit Score 30+ points > minimum required <br> Reserves exceed requirement by 10 months or more <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 |
| 836173 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-02 17:51 | 2025-05-14 15:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Right To Choose Attorney or Attorney Preference Resolved. - Due Diligence Vendor-05/14/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-05/02/2025 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved. - Due Diligence Vendor-05/14/2025 | Qualifying DTI below maximum allowed - DTI below 35%- max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790; minimum score 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836177 | xxxxxx C A | Closed | xxxxxx | 2025-05-05 18:54 | 2025-05-08 12:14 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Final CD included $500 lender credit for an increase in closing cost above legal limit. Resolved. - Due Diligence Vendor-05/08/2025 <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 $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). -----Final CD included $500 lender credit for an increase in closing cost above legal limit. Resolved. - Due Diligence Vendor-05/05/2025 |  | Resolved------Final CD included $500 lender credit for an increase in closing cost above legal limit. Resolved. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - verified reserves equal 148.02, guideline minimum is 6 months for the subject and 2 months for additional properties owned.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 727, guideline minimum is 660. |  | 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 |
| 836214 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836223 | xxxxxx C B A | Closed | xxxxxx | 2025-04-26 00:12 | 2025-04-28 11:49 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors. Deemed non material since audit able to be performed without the document. - Due Diligence Vendor-04/28/2025 <br> Open-Missing Approval/Underwriting Summary Missing loan approval for subject transaction, - Due Diligence Vendor-04/26/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material since audit able to be performed without the document. - Due Diligence Vendor-04/28/2025 | Months Reserves exceed minimum required - Verified assets of 30.04 exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 3.75% is less than the maximum allowed per guidelines of 45% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836223 | xxxxxx C B A | Closed | xxxxxx | 2025-04-24 13:48 | 2025-04-28 11:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-...Resolved by $21 lender credit for increase in closing costs. - Due Diligence Vendor-04/28/2025 <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% ($175.00) exceed the comparable charges ($140.00) 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). <br> - Due Diligence Vendor-04/24/2025 |  | Resolved-...Resolved by $21 lender credit for increase in closing costs. - Due Diligence Vendor-04/28/2025 | Months Reserves exceed minimum required - Verified assets of 30.04 exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 3.75% is less than the maximum allowed per guidelines of 45% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836236 | xxxxxx D A | Closed | xxxxxx | 2025-05-01 09:32 | 2025-05-01 18:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Guidelines indicate an LOX may be required. - Due Diligence Vendor-05/01/2025 <br> Open-There are a total of 10 NSFs - file is missing Letter of Explanation for NSFs - Due Diligence Vendor-05/01/2025 |  | Resolved-Guidelines indicate an LOX may be required. - Due Diligence Vendor-05/01/2025 | Credit history exceeds minimum required - Credit History = 41 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - DTI = 39.06% - 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 |
| 836250 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836287 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836293 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836297 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836305 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836308 | xxxxxx D A | Closed | xxxxxx | 2025-05-05 07:42 | 2025-05-07 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax search provided. - Due Diligence Vendor-05/07/2025 <br> Open-Missing Evidence of Property Tax for subject property. - Due Diligence Vendor-05/05/2025 |  | Resolved-Tax search provided. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - Borrower has 44.86 months of reserves and only needs 12 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 784 and minimum allowed is 720 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836308 | xxxxxx D A | Closed | xxxxxx | 2025-05-05 07:42 | 2025-05-07 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title provided. - Due Diligence Vendor-05/07/2025 <br> Open-Title Document is missing . Missing copy of the Title Commitment. - Due Diligence Vendor-05/05/2025 |  | Resolved-Title provided. - Due Diligence Vendor-05/07/2025<br>| Months Reserves exceed minimum required - Borrower has 44.86 months of reserves and only needs 12 months to qualify.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 784 and minimum allowed is 720 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836323 | xxxxxx D A C | Closed | xxxxxx | 2025-05-02 16:41 | 2025-05-08 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The guidelines require the CPA letter to confirm percentage of ownership. The bank statements confirm the business is open and active within 120 days of closing, as required by the guides. - Due Diligence Vendor-05/08/2025 <br> Counter-Received VVOE for only 2 - please provide VVOE for xxxxxx as well. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing CPA Letter is NOT Dated - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-The guidelines require the CPA letter to confirm percentage of ownership. The bank statements confirm the business is open and active within 120 days of closing, as required by the guides. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - Reserves = 29 months – Required Reserves = 6 Months<br>Qualifying DTI below maximum allowed - DTI = 44.28% - 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 |
| 836323 | xxxxxx D A C | Closed | xxxxxx | 2025-05-01 15:11 | 2025-05-06 15:46 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC xxxxxx which states DTI change. Finding resolved. - Due Diligence Vendor-05/06/2025 <br> Counter-Received COC xxxxxx. COC does not reference lender credit decrease. Finding remains. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <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 ($1,776.96) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,356.10). 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 $2356.10 to $1776.96 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $579.14, 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-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Received COC xxxxxx which states DTI change. Finding resolved. - Due Diligence Vendor-05/06/2025 | Months Reserves exceed minimum required - Reserves = 29 months – Required Reserves = 6 Months<br>Qualifying DTI below maximum allowed - DTI = 44.28% - 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 |
| 836341 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 07:31 | 2025-05-06 11:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-06/06/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). L/A $xxxxxxK. Title commitment reflect proposed policy amount 345K. - Due Diligence Vendor-06/06/2025 |  | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 23.68mos reserves. Per guides, 6 reserves required.<br>LTV is less than guideline maximum - Borr LTV 39.36%. Per guides, maximum LTV 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 720. Per guides, minimum score required 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836341 | xxxxxx C B A | Closed | xxxxxx | 2025-04-28 10:19 | 2025-04-28 18:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to has housing history on subject 0x30x12 and has other established timely mortgage pay history on credit dating back to xxxxxx - Due Diligence Vendor-06/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower living rent free with spouse. Does not meet guideline: Housing history for the DSCR Doc type is required for the borrower's primary residence and the subject property if a refinance transaction. . - Due Diligence Vendor-06/06/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to has housing history on subject 0x30x12 and has other established timely mortgage pay history on credit dating back to xxxxxx - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 23.68mos reserves. Per guides, 6 reserves required.<br>LTV is less than guideline maximum - Borr LTV 39.36%. Per guides, maximum LTV 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 720. Per guides, minimum score required 700 | -12MOS RESERVES<br> - FICO 720<br> - LTV 39.37%<br> - EXPERIENCED INVESTOR 6YRS | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836342 | xxxxxx D B A | Closed | xxxxxx | 2025-04-25 11:09 | 2025-06-05 10:29 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Waived-Client waiver applied to non-material finding with compensating factors. Ok to use market rents from 1007 with 10% vacancy factor. - Due Diligence Vendor-05/07/2025 <br> Open-The 12 month rental history provided does not reflect vendor management fees. The qualifying income must be net of all vendor or management fees. - Due Diligence Vendor-04/25/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Ok to use market rents from 1007 with 10% vacancy factor. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - 25 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 750 and minimum allowed is 660. | 25 months of reserves<br> 750 fico score | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836342 | xxxxxx D B A | Closed | xxxxxx | 2025-04-24 10:00 | 2025-04-30 09:35 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-The Note from used does not listed the I/O payment but confirms the loan is interest-only. - Due Diligence Vendor-04/30/2025 <br> Counter-Please provide a corrected Note disclosing the Interest only payment. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Note states: Borrower shall make payments of interest only at the Interest Rate. It will not include the printed payment amount of the interest only payment. - Buyer-04/28/2025 <br> Open-I/O payment not included within Note - Due Diligence Vendor-04/24/2025 |  | Resolved-The Note from used does not listed the I/O payment but confirms the loan is interest-only. - Due Diligence Vendor-04/30/2025 | Months Reserves exceed minimum required - 25 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 750 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836342 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 15:21 | 2025-04-25 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Added finding for missing income docs. - Due Diligence Vendor-06/06/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) The 12 month rental history provided does not reflect vendor management fees. The qualifying income must be net of all vendor or management fees. - Due Diligence Vendor-04/25/2025 |  | Resolved-Added finding for missing income docs. - Due Diligence Vendor-06/06/2025 | Months Reserves exceed minimum required - 25 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 750 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836342 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 15:35 | 2025-04-24 10:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Client provided an Exception to allow recent Modification. Applied to non material finding with comp factors. Forbearance, loan modifications, or deferrals completed or reinstated within 12-months of the Note date of the subject transaction are not eligible under xxxxxx Plus, xxxxxx, xxxxxx – DSCR. Modification was on xxxxxx. - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 25 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 750 and minimum allowed is 660. | -Low LTV<br> -12 Months reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836342 | xxxxxx D B A | Closed | xxxxxx | 2025-04-23 15:37 | 2025-04-24 10:01 | Waived | 2 - Non-Material C B | Credit | Closing | Issues exist on the Note Document | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-There are Issues Present on the Note that must be addressed. Note with a balloon feature with an expired maturity date exceeding 30 days require an extension to<br> avoid being counted as delinquent (e.g., delinquent 31 days is 1x30 late, delinquent 61 days is 1x60 late, etc).<br> Client provided an Exception to allow no extensions, applied to non material finding with comp factors - Due Diligence Vendor-04/23/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 | Months Reserves exceed minimum required - 25 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 750 and minimum allowed is 660. | -Low LTV<br> -12 Months reserves. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836358 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836361 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836366 | xxxxxx D A | Closed | xxxxxx | 2025-04-28 14:27 | 2025-05-01 14:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender did not use or refer to affiliates for this transaction. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. MANUAL UPLOAD. - Buyer-05/01/2025 <br> Counter-Client response: Letter regarding no affiliates on page 436 of the loan file. Finding indicates a fee tolerance test may be required.<br> Audit response: The letter on page 436 in file states the Broker does not have a affiliates. Please provide Lender's affiliated business disclosure or attestation that they have none if that is the case. - Due Diligence Vendor-04/30/2025 <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-04/28/2025 |  | Resolved-Received attestation that lender did not use or refer to affiliates for this transaction. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 680.<br>Months Reserves exceed minimum required - Borrower has 52.28 months of reserves and only needs 3 months to qualify.<br>Qualifying DTI below maximum allowed - DTI is 25.34% and max allowed is 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836374 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 10:00 | 2025-05-28 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received LOE confirming rental concessions. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br> Open-Missing letter of explanation for rental concessions made in April and May. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received LOE confirming rental concessions. - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 24 months; minimum required 4 months<br>Qualifying DTI below maximum allowed - Qualifying DTI 39.11%; max 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 |
| 836374 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 10:00 | 2025-05-28 10:49 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received xxxxxx billing statements supporting occupancy - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br> Open-Letters of explanation provided states parents address is where the borrower sends his mail due to often being away from his primary residence. The business bank statements do not show the borrower in xxxxxx. All activity, from a physical location, reflects those transactions were conducted in xxxxxx. Additionally, neither credit nor fraud reflects the borrower has any primary presence in xxxxxx despite the borrower renting a property in xxxxxx for a year. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received xxxxxx billing statements supporting occupancy - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 24 months; minimum required 4 months<br>Qualifying DTI below maximum allowed - Qualifying DTI 39.11%; max 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 |
| 836378 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836389 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836420 | xxxxxx C B A | Closed | xxxxxx | 2025-05-16 09:04 | 2025-05-20 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. Audited Reserves of 6.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Please see attached for borrower's business asset.<br>CPA letter shows that borrower has 100% access to xxxxxx and large withdrawal will not have negative impact.<br>xxxxxx assets should be enough to cover the reserve amount. - Seller-05/16/2025 <br> Open-Audited Reserves of 4.76 month(s) are less than Guideline Required Reserves of 6 month(s) B1 additional deposit into escrow of $139,326.43 was done AFTER the bank statements provided in the loan file. Therefore B1 short reserves. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Please see attached for borrower's business asset.<br>CPA letter shows that borrower has 100% access to xxxxxx and large withdrawal will not have negative impact.<br>xxxxxx assets should be enough to cover the reserve amount. - Seller-05/16/2025 | Resolved-Received additional assets. Audited Reserves of 6.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/20/2025 | Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 39.9%. <br>On time mortgage history exceeds guideline requirement - All REO's owned by borrowers reporting 0x30. Oldest reporting for 99 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 |
| 836420 | xxxxxx C B A | Closed | xxxxxx | 2025-05-13 11:03 | 2025-05-13 12:08 | 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-05/13/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2025 | Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 39.9%. <br> On time mortgage history exceeds guideline requirement - All REO's owned by borrowers reporting 0x30. Oldest reporting for 99 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 |
| 836424 | 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 |  |  |  |
| 836572 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 17:08 | 2025-05-20 11:15 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received Title receipt of gift funds. - Due Diligence Vendor-05/20/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements File is missing Transfer of Gift Funds - Due Diligence Vendor-05/14/2025 |  | Resolved-Received Title receipt of gift funds. - Due Diligence Vendor-05/20/2025 | Months Reserves exceed minimum required - 11.12 mths reserves; 6 mths required.<br> Qualifying DTI below maximum allowed - DTI = 43.70% - Max DTI = 50% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836600 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836602 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836610 | xxxxxx C B A | Closed | xxxxxx | 2025-05-05 09:42 | 2025-05-07 13:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | FEMA disaster declared within 120 days of Note (Credit) | Waived-Client waiver applied to non-material finding with compensating factors. Appraisal completed after disaster end date. - Due Diligence Vendor-05/07/2025 <br> Open-Appraisal was completed within the 120 day and no comments from the Appraiser that is required. - Due Diligence Vendor-05/05/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Appraisal completed after disaster end date. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - 16.35 months reserves exceed required 4 by 12.35 months.<br> Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660 | Credit Score 30+ points > minimum required <br> Reserves exceed requirement by 10 months or more<br> 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 |
| 836617 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 10:01 | 2025-05-20 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property detail report-unit number is mailbox only-no HOA. - Due Diligence Vendor-05/20/2025 <br> Open-Primary residence has a unit number (online sources show xxxxxx) but there is not documentation of an HOA fee. Will need to be added into DTI. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received property detail report-unit number is mailbox only-no HOA. - Due Diligence Vendor-05/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 680 required<br>LTV is less than guideline maximum - 80% LTV, program allows 85%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 836617 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 08:31 | 2025-05-15 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending issues. None are structural in nature. - Due Diligence Vendor-05/15/2025 <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. 971). 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 971). <br>2) Case #2 involves an allegation that the plaintiff tripped and fell off the bus provided by the community be because the xxxxxxr failed to extend the ramp. (P1024) 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 1024). <br>3) Case #3 involves several allegations surrounding a wrongful termination of lease and occupancy of a rental unit. (see pg. 1027). 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 1027). <br> - Due Diligence Vendor-05/14/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending issues. None are structural in nature. - Due Diligence Vendor-05/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 680 required<br>LTV is less than guideline maximum - 80% LTV, program allows 85%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 836617 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 08:12 | 2025-05-14 11:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Blanket client variance allows waiver for subject project when the xxxxxx CPM indicates the project is unavailable due to insufficient insurance. Borrower does carry individual HOI insurance as well as Master Insurance. - Due Diligence Vendor-06/09/2025 <br> Open-Third 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-05/14/2025 |  | Waived-Blanket client variance allows waiver for subject project when the xxxxxx CPM indicates the project is unavailable due to insufficient insurance. Borrower does carry individual HOI insurance as well as Master Insurance. - Due Diligence Vendor-06/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 801 FICO, 680 required<br>LTV is less than guideline maximum - 80% LTV, program allows 85%. | 80% LTV, program allows 85%<br> 801 Fico, 680 required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836619 | xxxxxx D B A | Closed | xxxxxx | 2025-05-08 14:39 | 2025-06-05 18:15 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Insurance is insufficient for number of units. An exception is uploaded. - Due Diligence Vendor-05/08/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 770 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 50 is less than the guideline max of 85. | FICO more than 50 points higher than minimum required.<br> LTV more than 10% lower than the max allowed. <br> Residual income is more than 2 times the required amount. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836619 | xxxxxx D B A | Closed | xxxxxx | 2025-05-08 13:39 | 2025-05-23 10:40 | Waived | 2 - Non-Material C B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-Client exception granted and in file, waiver applied with comp factors. Effective date is xxxxxx and disbursement date was xxxxxx. - Due Diligence Vendor-06/05/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx HOI eff date after disb date - Due Diligence Vendor-05/08/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Effective date is xxxxxx and disbursement date was xxxxxx. - Due Diligence Vendor-06/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 770 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 50 is less than the guideline max of 85. | 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 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836619 | xxxxxx D B A | Closed | xxxxxx | 2025-05-08 14:38 | 2025-05-19 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-05/19/2025 <br> Open-There are 3 active lawsuits documented. 1 is for trip and fall, 1 is for wrongful termination of lease. Both of these have attorney letters attached indicating the master insurance is sufficient to cover any damages that may result. In the 3rd lawsuit, the HOA initiated as plaintiff and the defendant counter sued. There is no attorney opinion letter located for this lawsuit. - Due Diligence Vendor-05/08/2025 |  | Resolved-After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature. - Due Diligence Vendor-05/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 770 is more than 20 points higher than the guideline min of 660.<br>LTV is less than guideline maximum - Qualifying LTV 50 is less than the guideline max of 85. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836644 | xxxxxx B A | Closed | xxxxxx | 2025-05-16 17:15 | 2025-05-19 11:07 | 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-05/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 710 is higher than the program minimum 660<br>Credit history exceeds minimum required - Long credit depth tradelines exceed requirements |  | 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 |
| 836675 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 23:23 | 2025-05-23 10:32 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-05/01/2025 <br> Open-Missing Approval/Underwriting Summary Missing loan approval for subject transaction. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 691 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 29.39 exceeds the minimum required of 3 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836675 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 22:58 | 2025-05-23 10:30 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-xxxxxx xxxxxx by BPO provided supporting the value. - Due Diligence Vendor-05/23/2025 <br> Counter-Desk Review provided is not for the subject property. - Due Diligence Vendor-05/21/2025 <br> Open-Additional valuation product has not been provided. Missing secondary valuation to support appraised value for subject property. - Due Diligence Vendor-04/25/2025 |  | Resolved-xxxxxx xxxxxx by BPO provided supporting the value. - Due Diligence Vendor-05/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 691 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 29.39 exceeds the minimum required of 3 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836675 | xxxxxx D A | Closed | xxxxxx | 2025-04-24 23:07 | 2025-05-01 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-05/01/2025 <br> Open-Missing Third Party Fraud Report Missing fraud report for borrower. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-05/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO of 691 is higher than the minimum FICO required of 660<br>Months Reserves exceed minimum required - Verified assets of 29.39 exceeds the minimum required of 3 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836683 | xxxxxx D B A | Closed | xxxxxx | 2025-05-19 08:27 | 2025-05-19 08:29 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client exception for Condo Insurance deductible. Non-material waiver applied to finding with compensating factors. HOA reserves are sufficient to cover higher deductible amount. - Due Diligence Vendor-06/09/2025 <br> Open-Lender Exception: "We are requesting an exception on the condo insurance. The<br> condo insurance deductible on the pool exceeds 5%, the<br> master policy insurer will not provide an insurance valuation or<br> how replacement costs were calculated, and the HOA requires<br> a specific amount of HO6 insurance in the amount of<br> $50,000.00 but the insurance policy provided only shows<br> $25,000.00. The agent states they will increase the coverage<br> once the the policy is paid for (please see letter from insurance<br> agent). - Due Diligence Vendor-05/19/2025 |  | Waived-Client exception for Condo Insurance deductible. Non-material waiver applied to finding with compensating factors. HOA reserves are sufficient to cover higher deductible amount. - Due Diligence Vendor-06/09/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+13k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 697 | DTI <36%<br> Residual Income > 2.5x | 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 |
| 836699 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 836720 | xxxxxx C A | Closed | xxxxxx | 2025-04-25 14:25 | 2025-05-14 11:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/13/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide Policy with sufficient coverage or a Replacement Cost Estimator. - Due Diligence Vendor-04/25/2025 |  | Resolved-Received RCE. - Due Diligence Vendor-05/14/2025<br>| LTV is less than guideline maximum - LTV is 56.07% and max allowed is 75%<br>DSCR % greater than 1.20 - DSCR 1.8% greater than 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836721 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836728 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836729 | xxxxxx C A | Closed | xxxxxx | 2025-05-22 10:57 | 2025-05-23 15:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-...Zero (0%) tolerance fees increased by $12 (Credit report) without a valid COC in file. Final CD provides a $12 credit for increase in closing costs above the legal limit.<br> - Due Diligence Vendor-05/23/2025 <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 $12.00.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 $12 (Credit report) without a valid COC in file. Final CD provides a $12 credit for increase in closing costs above the legal limit.<br> - Due Diligence Vendor-05/22/2025 |  | Resolved-...Zero (0%) tolerance fees increased by $12 (Credit report) without a valid COC in file. Final CD provides a $12 credit for increase in closing costs above the legal limit.<br> - Due Diligence Vendor-05/23/2025<br>| Qualifying DTI below maximum allowed - DTI 21.31%; max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 773; 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 |
| 836743 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 10:57 | 2025-05-28 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received validation of tax preparer. - Due Diligence Vendor-05/28/2025 <br> Counter-Received tax preparer Letter documenting 100% owner and a 24% expense factor. Please provide the Tax Preparer verification. - Due Diligence Vendor-05/20/2025 <br> Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/14/2025 |  | Resolved-Received validation of tax preparer. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - minimum reserves are 12 months, Borrower has 34.91 months.<br>Long term residence - borrower has resided at primary residence for 3 years and 8 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 |
| 836743 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 11:39 | 2025-05-28 10:08 | 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 documentation. - Due Diligence Vendor-05/28/2025 <br> Counter-Received LOE for xxxxxx. Please provide an LOE for the inquiry on xxxxxx - Due Diligence Vendor-05/20/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/14/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - minimum reserves are 12 months, Borrower has 34.91 months.<br>Long term residence - borrower has resided at primary residence for 3 years and 8 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 |
| 836743 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 12:55 | 2025-05-14 13:55 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/14/2025 <br> Open-Exception in file to allow actual calculated income of $19,593.70 vs Income cannot exceed income disclosed on initial 1003 when bank statement doc type of $15,000 - Due Diligence Vendor-05/14/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/14/2025<br>| Months Reserves exceed minimum required - minimum reserves are 12 months, Borrower has 34.91 months.<br>Long term residence - borrower has resided at primary residence for 3 years and 8 months | -Current primary home ownership > 2 years<br> - Reserves exceed requirement by 2 months or more<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 |
| 836763 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836778 | xxxxxx C A | Closed | xxxxxx | 2025-05-08 10:27 | 2025-05-12 10:50 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received PCCD w/Gift of Equity. - Due Diligence Vendor-05/12/2025 <br> Open-The gift of equity gift is to be shown on the CD. - Due Diligence Vendor-05/08/2025 |  | Resolved-Received PCCD w/Gift of Equity. - Due Diligence Vendor-05/12/2025<br>| LTV is less than guideline maximum - 65% LTV, program allows 80%<br>Qualifying DTI below maximum allowed - 43.95% 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 |
| 836791 | xxxxxx D A | Closed | xxxxxx | 2025-05-20 10:08 | 2025-05-27 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification for xxxxxx and xxxxxx. - Due Diligence Vendor-05/27/2025 <br> Open-1. Missing verification of HOA for REO xxxxxx. If applicable, the monthly assessment to be included and DTI recalculated. Additional findings may apply.<br> 2. Missing verification of HOA for REO xxxxxx. If applicable, the monthly assessment to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-05/20/2025 |  | Resolved-Received HOA verification for xxxxxx and xxxxxx. - Due Diligence Vendor-05/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required.<br>Qualifying DTI below maximum allowed - 41.32% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836801 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836862 | xxxxxx D A | Closed | xxxxxx | 2025-05-23 11:26 | 2025-05-27 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower Gap Credit Report per the guidelines is not required when the credit report is dated within 30 days. - Due Diligence Vendor-05/27/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/23/2025 |  | Resolved-Borrower Gap Credit Report per the guidelines is not required when the credit report is dated within 30 days. - Due Diligence Vendor-05/27/2025 | Qualifying DTI below maximum allowed - DTI 36.% max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 802; 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 |
| 836865 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 11:29 | 2025-05-01 09:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The fraud rpt indicates the 2 liens on the primary are from xxxxxx - reporting on credit for 8 months and Superior, 14 month pay history p. 737. The fraud rpt confirms xxxxxx was open xxxxxx. - Due Diligence Vendor-05/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . Missing complete housing history for the primary residence. (need proof of 12 on time payments), only 8 months have been provided. - Due Diligence Vendor-04/30/2025 |  | Resolved-The fraud rpt indicates the 2 liens on the primary are from xxxxxx - reporting on credit for 8 months and Superior, 14 month pay history p. 737. The fraud rpt confirms xxxxxx was open xxxxxx. - Due Diligence Vendor-05/01/2025 | LTV is less than guideline maximum - LTV is 65% and max LTV is 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 767 and minimum allowed is 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836865 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 12:45 | 2025-04-30 15:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Licensed Appraiser completed transferred Appraisal. A certified Appraiser must complete the Appraisal.<br> Client provided an Exception, applied to non material finding with comp factors - Due Diligence Vendor-04/30/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 | LTV is less than guideline maximum - LTV is 65% and max LTV is 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 767 and minimum allowed is 700 | -767 FICO<br> - LTV is 65% and max LTV is 75% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 836866 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836867 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 09:14 | 2025-04-30 15:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided an exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-04/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception Approval in file – <br> 1. Housing History – 8 months housing history – 12 months housing history required<br> - Due Diligence Vendor-04/30/2025 |  | Waived-Client provided an exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - Reserves = 8 months – Required Reserves = 2 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 727 greater than min FICO 640 | 1. Reserves – 2 mos > guidelines<br> 2. FICO = 80 pts > guidelines<br> 3. Locked with Escrows – YES<br> 4. Investor Experience – YES | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836868 | xxxxxx C A | Closed | xxxxxx | 2025-04-30 11:52 | 2025-05-22 09:37 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Document Uploaded. Revised appraisal received. - Due Diligence Vendor-05/22/2025 <br> Open-1. Comparable sale xxxxxx is reported with xxxxxx square feet. Missing corrected square footage.<br> 2. Appraiser to provide additional closed sale to bracket the square footage of subject. Square footage for all comparable sales exceed subject's square footage. - Due Diligence Vendor-04/30/2025 |  | Resolved-Document Uploaded. Revised appraisal received. - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 787 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 446.92% LTV is less than 70% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836892 | xxxxxx C A | Closed | xxxxxx | 2025-05-13 07:57 | 2025-05-21 10:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-05/21/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title reflects coverage amount of $240,000. subject loan amount is xxxxxx. Coverage amount is not sufficient. - Due Diligence Vendor-05/13/2025 |  | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-05/21/2025 | Long term residence - Borrower has owned/ lived at primary residence for 10+ years<br>Months Reserves exceed minimum required - Borrower having 14 months reserves, 6 months required per guidelines. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836911 | xxxxxx B A | Closed | xxxxxx | 2025-05-20 13:34 | 2025-05-20 13:35 | 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-05/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 689 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 28.14 months of reserves and only needs 4 months to qualify. |  | 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 |
| 836922 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836923 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836924 | xxxxxx C B A | Closed | xxxxxx | 2025-04-30 12:09 | 2025-04-30 16:27 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025 <br> Open-Income and Employment Do Not Meet Guidelines Exception Approval in file – <br> 1. Income – 6 NSFs – 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.<br> - Due Diligence Vendor-04/30/2025 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 6 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 39 Months Required = 12 months<br>Qualifying DTI below maximum allowed - 42.03% DTI below max allowed of 50% | 1. Reserves = 12 months<br> 2. Residual Income >2.5 time req<br> 3. Years at Present Address = 4 Years<br> 4. Mortgage history – 0x30x48<br> 5. Locked with Escrows – YES | 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 |
| 836926 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836949 | xxxxxx C A | Closed | xxxxxx | 2025-05-08 16:21 | 2025-05-19 09:55 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-05/19/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A attached to Mortgage - Due Diligence Vendor-05/08/2025 |  | Resolved-Received Legal - Due Diligence Vendor-05/19/2025<br>| LTV is less than guideline maximum - 58.97% LTV ratio, 80% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 789 qualifying FICO score, 660 minimum score required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836975 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836982 | xxxxxx D A | Closed | xxxxxx | 2025-05-06 01:51 | 2025-05-13 11:08 | 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-05/13/2025 <br> Open-Additional valuation product has not been provided. MISSING ADDITIONAL VALUATION PRODUCT. - 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-05/06/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 62.58mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 682. Per guides, minimum score required 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 836985 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836987 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 05:54 | 2025-05-28 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-05/28/2025 <br> Counter-Loan file contains documentation for xxxxxx. We are missing the business verification documentation for xxxxxx. - Due Diligence Vendor-05/20/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received VVOE. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 8.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO; 700 required<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 44.33%. |  | 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 |
| 836987 | xxxxxx D B A | Closed | xxxxxx | 2025-05-09 14:21 | 2025-05-12 12:29 | 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-05/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings. - Due Diligence Vendor-05/09/2025 | Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 8.43 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO; 700 required<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 44.33%. |  | 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 |
| 836995 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836998 | xxxxxx C B A | Closed | xxxxxx | 2025-05-05 15:28 | 2025-05-14 10:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Borrower requested POA & AIF to be added and recorded - Buyer-05/13/2025 <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% ($189.00) exceed the comparable charges ($97.00) 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 $92.00 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 $82.30 (difference with 10% factored in) , 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-05/05/2025 |  | Resolved-Received COC for increase. - Due Diligence Vendor-05/14/2025 | Months Reserves exceed minimum required - The verified reserves equal 407 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 743, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836998 | xxxxxx C B A | Closed | xxxxxx | 2025-05-07 13:47 | 2025-05-08 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-The xxxxxx statement being used already had the funds to close of $xxxxxx debited, the cash required to close should have been reduced. Lender's more conservative figures used. - Due Diligence Vendor-05/08/2025 <br> Open-Audited DTI of 53.83% exceeds Guideline DTI of 50% Lender used wrong balance for xxxxxx ending 6159 resulted in lower income - Due Diligence Vendor-05/07/2025 |  | Resolved-The xxxxxx statement being used already had the funds to close of $xxxxxx debited, the cash required to close should have been reduced. Lender's more conservative figures used. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - The verified reserves equal 407 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 743, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836998 | xxxxxx C B A | Closed | xxxxxx | 2025-05-07 14:45 | 2025-05-08 12:06 | 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-05/08/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline limits, lender used wrong balance for xxxxxx ending 6159 resulted in lower income - Due Diligence Vendor-05/07/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/08/2025 | Months Reserves exceed minimum required - The verified reserves equal 407 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 743, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 836998 | xxxxxx C B A | Closed | xxxxxx | 2025-05-07 13:54 | 2025-05-07 14:51 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted and in file for gift funds are not allowed under asset utilization program, waiver applied with comp factors. Deemed non material due to strong comp factors. - Due Diligence Vendor-05/07/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Gift funds are not allowed under asset utilization program. - Due Diligence Vendor-05/07/2025 |  | Waived-Client exception granted and in file for gift funds are not allowed under asset utilization program, waiver applied with comp factors. Deemed non material due to strong comp factors. - Due Diligence Vendor-05/07/2025 | Months Reserves exceed minimum required - The verified reserves equal 407 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 743, guideline minimum is 660. | Residual income is 1.5x greater than the guideline requirement, FICO is 50+ points greater than the guidelines, 7 years in present residence, mortgage history is 0x30x82 months. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 836998 | xxxxxx C B A | Closed | xxxxxx | 2025-05-05 15:05 | 2025-05-05 15:05 | 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-05/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - The verified reserves equal 407 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The score for grading is 743, guideline minimum is 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837070 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837082 | xxxxxx C B A | Closed | xxxxxx | 2025-05-06 09:59 | 2025-05-20 15:44 | Resolved | 1 - Information B A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Appraisal provided confirming HOA is $325. - Due Diligence Vendor-05/20/2025 <br> Open-Missing HOA dues for REO xxxxxx of $325/m - Due Diligence Vendor-05/06/2025 |  | Resolved-Appraisal provided confirming HOA is $325. - Due Diligence Vendor-05/20/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 28.69%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837082 | xxxxxx C B A | Closed | xxxxxx | 2025-05-06 09:55 | 2025-05-09 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided an exception waiver. Loan is an investment property. Waiver applied to non-material finding with comp factors. State does not require broker licensing for business purpose loans; the requirement was a guideline overlay only. - Due Diligence Vendor-06/23/2025 <br> Open-Per matrix, Broker is required to a hold a license in the state of UT for Business Purpose loans. Broker does not hold a license in the state of UT. Per xxxxxx the Broker is licensed in AL, AZ, AR, MN, NV, NH, NM, and WY only. Originator does not a hold license in the state of UT. xxxxxx shows UT license inactive and NOT authorized to conduct business as of xxxxxx. Loan closed xxxxxx. - Due Diligence Vendor-05/06/2025 |  | Waived-Client provided an exception waiver. Loan is an investment property. Waiver applied to non-material finding with comp factors. State does not require broker licensing for business purpose loans; the requirement was a guideline overlay only. - Due Diligence Vendor-06/23/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 28.69%; max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779; minimum required 740 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837083 | xxxxxx B A | Closed | xxxxxx | 2025-05-08 19:35 | 2025-06-05 18:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Client exception granted and in file, waiver applied with comp factors. - Non-Material Purchase price is less than Appraised Value, LTV 70% - Due Diligence Vendor-05/09/2025 <br> Open-Subject purchase price xxxxxx, seller credit $23,900 (5.76%). Per guides pg74: Maximum contribution: 3% all LTVs. Lender Exception in file. - Due Diligence Vendor-05/08/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Non-Material Purchase price is less than Appraised Value, LTV 70% - Due Diligence Vendor-05/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borrs 24mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>On time mortgage history exceeds guideline requirement - Borr qualifying FICO score 794. Per guides, minimum score required 640.<br>Months Reserves exceed minimum required - 17.41mos reserves. Per guides, 2 reserves required. | -Mortgage history 0x30x24<br> - FICO 10+>guidelines<br> - LTV = 5% guidelines<br> - Years at present address 2yrs | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837084 | xxxxxx C B A | Closed | xxxxxx | 2025-05-06 14:38 | 2025-05-06 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to only being $10K short of minimum.<br> - Due Diligence Vendor-05/06/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 <br> - Due Diligence Vendor-05/06/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to only being $xxxxxxK short of minimum.<br> - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 749 Min FICO = 680<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months | 1. FICO 10+ > Guidelines<br> 2. LTV/CLTV <= 5% of guidelines<br> 3. Years on Job > 5 Years<br> 4. Locked with Prepay = YES<br> 5. Locked with Escrows = YES<br> 6. Investor Experience = 2+ Years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837084 | xxxxxx C B A | Closed | xxxxxx | 2025-05-06 14:36 | 2025-05-06 15:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to only one month short<br> - Due Diligence Vendor-05/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Subject verified 0x30x11 prior to loan maturity date xxxxxx – 0x30x12 payment history is required - Due Diligence Vendor-05/06/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non material due to only one month short<br> - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 749 Min FICO = 680<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months | 1. FICO 10+ > Guidelines<br> 2. LTV/CLTV <= 5% of guidelines<br> 3. Years on Job > 5 Years<br> 4. Locked with Prepay = YES<br> 5. Locked with Escrows = YES<br> 6. Investor Experience = 2+ Years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837085 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 10:24 | 2025-05-08 11:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Client provided a waiver "add finding", applied to non material finding with comp factors - Due Diligence Vendor-05/08/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DSCR > 1.15 - Buyer-05/08/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing addendum to the purchase contract reflecting seller paid fees in the amount of $5k. - Due Diligence Vendor-05/05/2025 |  | Waived-Client provided a waiver "add finding", applied to non material finding with comp factors - Due Diligence Vendor-05/08/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirements >than 24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 771 and minimum allowed is 640. | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DSCR > 1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837085 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 10:50 | 2025-05-07 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-STR history for 2024 (earnings report) in file. - Due Diligence Vendor-05/07/2025 <br> Open-Missing 12 months history from 3rd party (in file xxxxxx is for 3 months future confirmed reservations) or Short Term Rental Analysis to appraisal.. - Due Diligence Vendor-05/07/2025 |  | Resolved-STR history for 2024 (earnings report) in file. - Due Diligence Vendor-05/07/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirements >than 24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 771 and minimum allowed is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837085 | xxxxxx D B A | Closed | xxxxxx | 2025-05-05 11:00 | 2025-05-07 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-See corrected Short term rental income does not meet guidelines finding - Due Diligence Vendor-05/07/2025 <br> Open-Missing Short Term Rental Analysis to appraisal. - Due Diligence Vendor-05/06/2025 |  | Resolved-See corrected Short term rental income does not meet guidelines finding - Due Diligence Vendor-05/07/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirements >than 24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 771 and minimum allowed is 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837090 | xxxxxx B A | Closed | xxxxxx | 2025-05-02 19:32 | 2025-06-05 18:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Appraisal is Expired | Waived-Client exception granted and in file, waiver applied with comp factors. Experienced Investor. - Due Diligence Vendor-06/06/2025 <br> Open-Primary Value Appraisal is Expired Appraisal report expired xxxxxx To be extended to xxxxxx. Appraisal 1004D updated in file dated xxxxxx Re-affirming subject value at xxxxxx. Per guides - The appraisal must be dated within 120 days of closing date. Recertification of value is required if the report exceeds 120 days of the Note Date. - Due Diligence Vendor-06/06/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Experienced Investor. - Due Diligence Vendor-06/06/2025 | DSCR % greater than 1.20 - DSCR 1.318 <br>Months Reserves exceed minimum required - 104.03mos reserves. Per guides, 2 reserves required. | -RESERVES $146,345 (MIN $8403). <br> - DSCR 1.34 (MIN 1)<br> - EXPERIENCED INVESTOR WITH MULTIPLE PROPERTIES<br> - MTG HISTORY 0X30X48 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837121 | xxxxxx B A | Closed | xxxxxx | 2025-05-27 10:52 | 2025-05-27 12:13 | 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-05/27/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/27/2025 | Months Reserves exceed minimum required - 12 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 28%; max permitted 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837153 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837159 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837160 | xxxxxx C B A | Closed | xxxxxx | 2025-05-09 21:22 | 2025-05-13 10:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client exception to allow xxxxxx units. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/13/2025 <br> Open-Subject property xxxxxx units. Guidelines used: xxxxxx – DSCR (5-8 Units or 2-8 Mixed Use). Lender exception in file: requesting exception to close with xxxxxx Units on xxxxxx Purchase. - Due Diligence Vendor-05/10/2025 |  | Waived-Client exception to allow xxxxxx units. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/13/2025 | On time mortgage history exceeds guideline requirement - Borrs 52mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 28.64mos reserves. Per guides, 6 reserves required. | Lender Comp factors: <br> - Mortgage history 0x30x39<br> - LTV 5% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837162 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837164 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837167 | xxxxxx B A | Closed | xxxxxx | 2025-05-05 12:52 | 2025-05-05 12:52 | 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-05/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 761 Min FICO = 680<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 49 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 | Investor Post-Close | No | xxxxxx |
| 837208 | 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 |  |  |  |
| 837226 | xxxxxx D B A | Closed | xxxxxx | 2025-04-15 07:36 | 2025-04-16 18:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-04/15/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap or UDM - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-04/15/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-04/16/2025 | Long term residence - The applicant has evidence of long term housing history of 5+ years that exceeds 12 month minimum required <br> Verified employment history exceeds guidelines - 5+ years employment exceeds 24 month minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837226 | xxxxxx D B A | Closed | xxxxxx | 2025-04-14 12:23 | 2025-04-14 12:23 | 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-04/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/14/2025 | Long term residence - The applicant has evidence of long term housing history of 5+ years that exceeds 12 month minimum required <br> Verified employment history exceeds guidelines - 5+ years employment exceeds 24 month minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837238 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837249 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837251 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837256 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837259 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837261 | xxxxxx D A | Closed | xxxxxx | 2025-05-20 14:01 | 2025-05-27 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not required per guidelines with a streamlined condo review. - Due Diligence Vendor-05/27/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Condo Warranty Approval in file from UW but Condo Questionnaire is missing - Due Diligence Vendor-05/20/2025 |  | Resolved-The HOA Questionnaire Document is not required per guidelines with a streamlined condo review. - Due Diligence Vendor-05/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 780 Min FICO = 660<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837264 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837267 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837326 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 837327 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837375 | 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 |  |  |  |
| 837393 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 15:51 | 2025-05-20 11:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received the final Policy - Due Diligence Vendor-05/20/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx The hazard insurance effective date is xxxxxx. Disbursement date is xxxxxx. Missing evidence of insurance at time of disbursement. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received the final Policy - Due Diligence Vendor-05/20/2025 | Months Reserves exceed minimum required - Guidelines require 9 months of reserves. Qualifying reserves are 15 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 720. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837406 | xxxxxx D B A | Closed | xxxxxx | 2025-05-13 12:44 | 2025-05-20 10:07 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk review received. - Due Diligence Vendor-05/20/2025 <br> Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements. xxxxxx starts with a Desk Review. Loan file file contains a CU Score of 1; however this can not be used as a secondary valuation. - Due Diligence Vendor-05/13/2025 |  | Resolved-Desk review received. - Due Diligence Vendor-05/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 660.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 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 |
| 837406 | xxxxxx D B A | Closed | xxxxxx | 2025-05-13 08:22 | 2025-05-13 09:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted to allow 5.19 months reserves vs 6, Non-material waiver applied with comp factors. non-material due to les than 1 month short of required reserves, B1 excellent credit profile. - Due Diligence Vendor-05/13/2025 <br> Open-Audited Reserves of 5.19 month(s) are less than Guideline Required Reserves of 6 month(s) Client provided an Exception Approval to allow less than 6 months reserves. - Due Diligence Vendor-05/13/2025 |  | Waived-Client exception granted to allow 5.19 months reserves vs 6, Non-material waiver applied with comp factors. non-material due to les than 1 month short of required reserves, B1 excellent credit profile. - Due Diligence Vendor-05/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 660.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 24 months. | FICO 752<br> On time mortgage history exceeds guideline requirements of 0x30 >than 24 months. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837433 | xxxxxx B A | Closed | xxxxxx | 2025-04-23 11:42 | 2025-04-23 11:42 | 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-04/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2025 | Months Reserves exceed minimum required - o 23 Months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 734 ; 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 |
| 837434 | xxxxxx D A | Closed | xxxxxx | 2025-05-13 08:11 | 2025-05-16 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report and supporting documents. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-05/15/2025 <br> Counter-Received fraud report-provide supporting documentation clearing borrower from xxxxxx. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-05/14/2025 <br> Open-Missing Third Party Fraud Report Missing fraud report. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-05/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-05/14/2025 | Resolved-Received fraud report and supporting documents. - Due Diligence Vendor-05/16/2025 | Qualifying DTI below maximum allowed - DTI 19.580 is lower than the 49.99% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 702 is higher than the minimum 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837434 | xxxxxx D A | Closed | xxxxxx | 2025-05-13 08:10 | 2025-05-15 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-05/14/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap report. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-05/14/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-05/15/2025 | Qualifying DTI below maximum allowed - DTI 19.580 is lower than the 49.99% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 702 is higher than the minimum 660 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837472 | xxxxxx D A | Closed | xxxxxx | 2025-05-14 14:32 | 2025-05-21 15:44 | 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-05/21/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Final VOE - Due Diligence Vendor-05/15/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/21/2025 | Qualifying DTI below maximum allowed - DTI = 36.12% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 802 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837473 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 10:29 | 2025-05-21 10:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary confirm sufficient coverage. - Due Diligence Vendor-05/21/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage i$$250,000.00 s less than Total Amount of Subject Lien(s) $ xxxxxx.. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received updated preliminary confirm sufficient coverage. - Due Diligence Vendor-05/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 771; guidelines require 700. <br>Long term residence - 7 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837473 | xxxxxx C A | Closed | xxxxxx | 2025-05-14 10:23 | 2025-05-15 10:01 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing. Loan file pg 273-289. Borrower is the sole member EIN not required. - Due Diligence Vendor-05/15/2025 <br> Open-The Business Entity Formation Document is Missing Missing Business Entity Formation Document. - Due Diligence Vendor-05/14/2025 |  | Resolved-The Business Entity Formation Document is not Missing. Loan file pg 273-289. Borrower is the sole member EIN not required. - Due Diligence Vendor-05/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 771; guidelines require 700. <br>Long term residence - 7 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837474 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837475 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 837476 | xxxxxx C B A | Closed | xxxxxx | 2025-05-20 13:54 | 2025-05-21 08:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow first time homebuyer for DSCR purchase. Non-material waiver applied with comp factors. Deemed non-material due to borrower having 8 months primary home pay history and ownership 4 months short of 12. - Due Diligence Vendor-05/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements First Time Investor requires 12 month primary home pay history, B1 has only owned primary home 8 months. - Due Diligence Vendor-05/20/2025 |  | Waived-Client exception granted to allow first time homebuyer for DSCR purchase. Non-material waiver applied with comp factors. Deemed non-material due to borrower having 8 months primary home pay history and ownership 4 months short of 12. - Due Diligence Vendor-05/21/2025 | Months Reserves exceed minimum required - 48 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 791; guidelines require 680. | Reserves 27 months. <br> Fico Score 746.<br> DSCR 1.33 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837494 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837537 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837544 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 837616 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 837617 | xxxxxx D A | Closed | xxxxxx | 2025-05-19 14:26 | 2025-05-22 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter provided. - Due Diligence Vendor-05/22/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter or verification of the business. - Due Diligence Vendor-05/19/2025 |  | Resolved-CPA letter provided. - Due Diligence Vendor-05/22/2025 | Months Reserves exceed minimum required - Min 6, actual 78 months.<br>CLTV is less than guidelines maximum - Max 85%, actual 60%. |  | 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 |
| 837617 | xxxxxx D A | Closed | xxxxxx | 2025-05-16 13:58 | 2025-05-22 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, the borrower is xxxxxx and the loan file contains a CPA letter. A VOE is not required. - Due Diligence Vendor-05/22/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party VOE. - Due Diligence Vendor-05/16/2025 |  | Resolved-After further review, the borrower is xxxxxx and the loan file contains a CPA letter. A VOE is not required. - Due Diligence Vendor-05/22/2025 | Months Reserves exceed minimum required - Min 6, actual 78 months.<br>CLTV is less than guidelines maximum - Max 85%, actual 60%. |  | 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 |
| 837620 | 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 |  |  |  |
| 837635 | xxxxxx C A | Closed | xxxxxx | 2025-05-12 09:39 | 2025-05-14 17:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received CPA letter confirming phone number is not published. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please review the CPA letter again and waive this condition. - Seller-05/12/2025 <br> Open-Missing internet business number search - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Please review the CPA letter again and waive this condition. - Seller-05/12/2025 | Resolved-Received CPA letter confirming phone number is not published. - Due Diligence Vendor-05/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 701 credit score is higher than the 660 minimum <br>Qualifying DTI below maximum allowed - DTI 30.74% is lower than the 49.99% max allowed |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 837780 | xxxxxx B A | Closed | xxxxxx | 2025-05-13 11:18 | 2025-05-13 11:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/13/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/13/2025<br>| Months Reserves exceed minimum required - 5.11 mos reserves. Per guides, 4 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 775. Per guides, minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 837867 | xxxxxx C A B | Closed | xxxxxx | 2025-05-19 08:25 | 2025-06-05 16:23 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br> Open-Missing Approval/Underwriting Summary 1008 not in loan file. - Due Diligence Vendor-05/19/2025 |  | Resolved-Received approval. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 21.08 months.<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 5.79%. |  | 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 |
| 837867 | xxxxxx C A B | Closed | xxxxxx | 2025-05-15 13:13 | 2025-05-28 11:15 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received executed ITP. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/27/2025 <br> Open-There is a fee on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-05/15/2025 |  | Resolved-Received executed ITP. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 21.08 months.<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 5.79%. |  | 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 |
| 837948 | xxxxxx D A | Closed | xxxxxx | 2025-05-16 16:27 | 2025-05-23 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Upon further review, housing history is not required. - Due Diligence Vendor-05/23/2025 <br> Counter-Client comments - Guidelines do not have a housing history requirement. - AUDIT RESPONSE - Housing history for the DSCR Doc type is limited to verifying the borrower's primary residence and the subject property if a refinance transaction. Finding remains. - Due Diligence Vendor-05/20/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing housing payment history or rent-free letter for xxxxxx<br> - Due Diligence Vendor-05/16/2025 |  | Resolved-Upon further review, housing history is not required. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - Borrower verified 9 months of PITIA reserves, 3 months minimum required.<br> DSCR % greater than 1.20 - DSCR is 1.28<br> Qualifying FICO score is at least 20 points above minimum for program - 727 qualifying FICO score, 700 minimum score required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837948 | xxxxxx D A | Closed | xxxxxx | 2025-05-16 10:09 | 2025-05-21 09:59 | 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-05/21/2025 <br> Open-Additional valuation product has not been provided. Secondary Valuation or Additional Valuation is missing. - Due Diligence Vendor-05/16/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - Borrower verified 9 months of PITIA reserves, 3 months minimum required.<br>DSCR % greater than 1.20 - DSCR is 1.28<br>Qualifying FICO score is at least 20 points above minimum for program - 727 qualifying FICO score, 700 minimum score required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838037 | xxxxxx B A | Closed | xxxxxx | 2025-05-20 16:12 | 2025-06-05 18:40 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/21/2025 <br> Open-Lender Exception in file: Evidence of 1-month of receipt of rent. Per matrix pg12: If using a higher actual lease amount, evidence of 2-months of receipt is required, and the lease amount must be within 120% of the estimated market rent from the 1007/1025. If the actual rent exceeds the estimated market rent by more than 120%, the rents are capped at 120%. Non-Material, Low LTV locked with PPP - Due Diligence Vendor-05/20/2025 |  | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 739. Per guides, minimum score required 700.<br>Months Reserves exceed minimum required - 123.53mos reserves. Per guides, 6 reserves required. | -Reserves 12+ mos > guidelines<br> - FICO 50 pts > guidelines<br> - LTV/CLTV 25% < guidelines<br> - Years at present address 2 yrs<br> - Experienced Investor Owns 2+ properties | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838142 | xxxxxx C A | Closed | xxxxxx | 2025-05-23 12:59 | 2025-05-28 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Affidavit was found or is not applicable. - Due Diligence Vendor-05/28/2025 <br> Open-Florida Foreign National Affidavit is Missing or Incomplete. Florida Foreign National Affidavit is Missing - Due Diligence Vendor-05/27/2025 |  | Resolved-Affidavit was found or is not applicable. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - 39 months available vs. 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838379 | xxxxxx D B A | Closed | xxxxxx | 2025-05-27 13:33 | 2025-05-30 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax estimates. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/29/2025 <br> Open-Missing Evidence of Property Tax Provide calculation that supports the current taxes be collected per the CD and the Initial Escrow. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/29/2025 | Resolved-Received tax estimates. - Due Diligence Vendor-05/30/2025<br>| Qualifying DTI below maximum allowed - DTI 32.77% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 46.18% is lower than maximum 80% |  | 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 |
| 838379 | xxxxxx D B A | Closed | xxxxxx | 2025-05-23 13:46 | 2025-05-29 09:26 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Upon further review, no further documentation is needed or required. Loan is Construction to Perm which does not require ROR. - Due Diligence Vendor-05/29/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-05/23/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Loan is Construction to Perm which does not require ROR. - Due Diligence Vendor-05/29/2025<br>| Qualifying DTI below maximum allowed - DTI 32.77% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 46.18% is lower than maximum 80% |  | 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 |
| 838379 | xxxxxx D B A | Closed | xxxxxx | 2025-05-23 13:25 | 2025-05-29 09:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Upon further review, no further documentation is needed or required. Loan is Construction to Perm which does not require ROR. - Due Diligence Vendor-05/29/2025 <br> Open-Right of Rescission is Missing No ROR Disclosure in file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Loan is Construction to Perm which does not require ROR. - Due Diligence Vendor-05/29/2025<br>| Qualifying DTI below maximum allowed - DTI 32.77% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 46.18% is lower than maximum 80% |  | 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 |
| 838379 | xxxxxx D B A | Closed | xxxxxx | 2025-05-27 14:27 | 2025-05-27 14:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow modification on current note within past 12 months. Non-material waiver applied with comp factors. Deemed non-material due to paying off construction loan, modifications are common. - Due Diligence Vendor-05/27/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Modification to current note took place within past 12 months (balloon note extension) - Due Diligence Vendor-05/27/2025 |  | Waived-Client exception granted to allow modification on current note within past 12 months. Non-material waiver applied with comp factors. Deemed non-material due to paying off construction loan, modifications are common. - Due Diligence Vendor-05/27/2025<br>| Qualifying DTI below maximum allowed - DTI 32.77% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 46.18% is lower than maximum 80% | 2 + months reserves<br> 3X Residual Income <br> 50+ points greater than guides<br> LTV 20% less than Guides<br> 25 years on the job | 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 |
| 838379 | xxxxxx D B A | Closed | xxxxxx | 2025-05-27 13:59 | 2025-05-27 14:51 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Client exception granted to allow proof of payment only with no VOR form. Non-material waiver applied with comp factors. Deemed non-material due to payments show rent paid on time. - Due Diligence Vendor-05/27/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Proof rent paid for 12 months provided in lieu of VOR form.<br> - Due Diligence Vendor-05/27/2025 |  | Waived-Client exception granted to allow proof of payment only with no VOR form. Non-material waiver applied with comp factors. Deemed non-material due to payments show rent paid on time. - Due Diligence Vendor-05/27/2025<br>| Qualifying DTI below maximum allowed - DTI 32.77% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 46.18% is lower than maximum 80% | 2 + months reserves<br> 3X Residual Income <br> 50+ points greater than guides<br> LTV 20% less than Guides<br> 25 years on the job | 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 |
| 838383 | xxxxxx C B A | Closed | xxxxxx | 2025-05-27 10:47 | 2025-05-27 13:05 | Waived | 2 - Non-Material C B | Credit | Assets | Gift Funds General | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/27/2025 <br> Open-Gift of equity not allowed on DSCR. Lender provided an exception - Due Diligence Vendor-05/27/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-05/27/2025<br>| Credit history exceeds minimum required - > 20 years<br>Qualifying FICO score is at least 20 points above minimum for program - 714 FICO; 640 required<br>Months Reserves exceed minimum required - 19.33 mos reserves; 2 mos required | 6 mos reserves<br> Locked with escrows<br> 2+ years at present address<br> 3 years investor experience<br> 0 x 30 x 34 on primary<br> Locked w/prepay | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838454 | xxxxxx C B A | Closed | xxxxxx | 2025-05-27 11:38 | 2025-05-27 12:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client exception granted to allow form 71A for appraisal. Non-material waiver applied with comp factors. Deemed non-material due to appraisal still shows all pertinent information that guidelines require. - Due Diligence Vendor-05/27/2025 <br> Open-Appraisal form 71A used is not listed in guidelines as acceptable.<br> - Due Diligence Vendor-05/27/2025 |  | Waived-Client exception granted to allow form 71A for appraisal. Non-material waiver applied with comp factors. Deemed non-material due to appraisal still shows all pertinent information that guidelines require. - Due Diligence Vendor-05/27/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 748 Min FICO = 720<br>Months Reserves exceed minimum required - Reserves = 17 months – Required Reserves = 6 Months | 1. Reserves - 6+ mos > guidelines<br> 2. FICO - 40 pts > guidelines<br> 3. Years at Present Address – 3 Years<br> 4. Mortgage History – 0x30x24<br> 5. Investor Experience - 2+ properties | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 838454 | xxxxxx C B A | Closed | xxxxxx | 2025-05-27 12:51 | 2025-05-27 12:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow commercial space of 50%. Non-material waiver applied with comp factors. Deemed non-material due to only exceeding max by 1%. - Due Diligence Vendor-05/27/2025 <br> Open-Max commercial space 49% allowed- Actual commercial space is 50.00% - Due Diligence Vendor-05/27/2025 |  | Waived-Client exception granted to allow commercial space of 50%. Non-material waiver applied with comp factors. Deemed non-material due to only exceeding max by 1%. - Due Diligence Vendor-05/27/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 748 Min FICO = 720<br>Months Reserves exceed minimum required - Reserves = 17 months – Required Reserves = 6 Months | 1. Reserves - 6+ mos > guidelines<br> 2. FICO - 40 pts > guidelines<br> 3. Years at Present Address – 3 Years<br> 4. Mortgage History – 0x30x24<br> 5. Investor Experience - 2+ properties | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |

---

## Exhibit 99.17

**EXHIBIT 99.17**

**CLARIFII RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 819162 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B | B A | A B | B |
| 826320 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 826677 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 826859 | 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 |
| 827037 | 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 |
| 827377 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 828176 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 828844 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 828973 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 829010 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 829015 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 829057 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 829063 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 829120 | xxxxxx | xxxxxx D | N/A D C | N/A C D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 829126 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 829379 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 829417 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 829512 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 830148 | xxxxxx | xxxxxx A | N/A | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 830305 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 830331 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 830343 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 830345 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 830368 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 830518 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 830589 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 830595 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 830639 | xxxxxx | xxxxxx B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 830664 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 830823 | 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 |
| 830839 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 830851 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 830866 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 831123 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 831168 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 831239 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 831358 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 831382 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 831386 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A C D | N/A D | N/A | N/A | N/A | N/A |
| 831402 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 831403 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 831429 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 831460 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 831476 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 831488 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 831532 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 831546 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 831549 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 831551 | 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 |
| 831552 | 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 |
| 831586 | 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 |
| 831598 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 831600 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 831639 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 831646 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 831688 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 831738 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 831739 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 831782 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 831820 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 831903 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 831905 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 831923 | 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 |
| 831948 | 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 |
| 831963 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 831970 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 831985 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832149 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832151 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832169 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 832175 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 832184 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 832194 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 832196 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 832201 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832205 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832208 | xxxxxx | xxxxxx D | D A | A C | C D | D B | B A | A | A B | B |
| 832210 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832222 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832242 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832248 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 832250 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832254 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 832255 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832264 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832266 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832275 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 832276 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832291 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 832297 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832321 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832323 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832327 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832341 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832357 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 832383 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 832385 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 832404 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832463 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832467 | 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 |
| 832477 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832537 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832622 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 832645 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 832647 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 832673 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832681 | xxxxxx | xxxxxx C | N/A C | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 832683 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832689 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 832713 | 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 |
| 832718 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832722 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A B | B A | A B | B |
| 832750 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 832754 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 832775 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832789 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 832791 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 832836 | 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 |
| 832859 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 832861 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 832944 | 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 |
| 832956 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 832959 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832964 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 832988 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 832989 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 832998 | 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 |
| 833012 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 833024 | 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 |
| 833028 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833036 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833037 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 833039 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 833058 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833084 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 833086 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 833092 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833108 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833114 | xxxxxx | xxxxxx A | N/A B | N/A B D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 833144 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833170 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833187 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 833189 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833221 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833228 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833233 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 833257 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 833260 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833262 | 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 |
| 833270 | 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 |
| 833276 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 833284 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833293 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 833297 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833299 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833301 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833304 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833307 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833309 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833310 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833312 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833313 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833314 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833316 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833318 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833321 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833322 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833325 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833327 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833329 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 833337 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833342 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833343 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833345 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833349 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833350 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833353 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833357 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833358 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833360 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 833362 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833366 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833372 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833375 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833376 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833389 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833390 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833403 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833405 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833411 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833417 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 833435 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833451 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833463 | 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 |
| 833466 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 833483 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833484 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 833495 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833502 | xxxxxx | xxxxxx D | D | D A | A D | D B | B | B A | A B | B |
| 833523 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833531 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 833532 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833557 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833562 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833588 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833602 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 833607 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833612 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833618 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 833637 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 833640 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833669 | xxxxxx | xxxxxx B | B C | C A | A C | C A | A | A | A | A |
| 833671 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 833688 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833703 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833722 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833724 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833750 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 833791 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 833804 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 833807 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 833808 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833824 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833849 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833857 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 833862 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 833916 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 833919 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833933 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 833934 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 833948 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 833973 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834020 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834028 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834031 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834035 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834040 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834044 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834109 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834142 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 834160 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 834161 | xxxxxx | xxxxxx D | N/A D B | N/A B D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 834163 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 834175 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 834179 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834199 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834208 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834219 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 834244 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834246 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 834254 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 834265 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 834268 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834269 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834274 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834280 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834287 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834290 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834294 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834295 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834296 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834297 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834300 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834316 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834353 | 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 |
| 834354 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 834372 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834394 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834397 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834400 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 834402 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834404 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 834446 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834471 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 834472 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834473 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 834474 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 834478 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834479 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 834482 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834485 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834494 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 834525 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834545 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834548 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834549 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834554 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834569 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834573 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834580 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 834597 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834602 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834606 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834607 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834611 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834615 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834618 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834619 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834621 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834623 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834625 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834628 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834654 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 834656 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834671 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 834677 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834679 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834689 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834774 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834787 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 834796 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834804 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834807 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834812 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834814 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834818 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834825 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834864 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834869 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834877 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834893 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 834905 | xxxxxx | xxxxxx B | B C | C A | A C | C A | A | A | A | A |
| 834920 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 834927 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 834928 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 834931 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834932 | xxxxxx | xxxxxx A | A B | B D | D | D A | A B | B A | A B | B |
| 834933 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 834938 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834954 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834970 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834973 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834974 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 834975 | xxxxxx | xxxxxx D | D B | B D | D | D A | A B | B A | A B | B |
| 834990 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834991 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834992 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834993 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 834994 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834995 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834996 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834997 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 834998 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 834999 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835000 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835001 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 835002 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835004 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835005 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835007 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835011 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835014 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835015 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835018 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835020 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 835021 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835022 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 835025 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835030 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835036 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835038 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 835048 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835049 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835050 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835051 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835057 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835058 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835060 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835061 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835063 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835065 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835066 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835068 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835069 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835070 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835071 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835072 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835074 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835075 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835080 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 835081 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835084 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 835086 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 835096 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835098 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835101 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835107 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835114 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835120 | xxxxxx | xxxxxx A | A D | D | D | D A | A B | B A | A B | B |
| 835126 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835128 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 835132 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835172 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835173 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835189 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 835208 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835210 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835233 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835241 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 835242 | 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 |
| 835246 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835306 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835308 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835313 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835315 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835321 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 835330 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835334 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835336 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 835337 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835346 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835347 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835399 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 835403 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835407 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835422 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835456 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 835460 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 835472 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835480 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 835487 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 835513 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835517 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 835518 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 835521 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835578 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835583 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835616 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 835617 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835621 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 835622 | xxxxxx | xxxxxx B | B C | C A | A C | C A | A | A | A | A |
| 835624 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835647 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 835668 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 835686 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 835688 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 835711 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835719 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 835721 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835728 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835750 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835772 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835773 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835780 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 835809 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 835840 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 835850 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835853 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835864 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835878 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835882 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835907 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 835923 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835937 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 835944 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835991 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836000 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836005 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836042 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 836061 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 836087 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836107 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836108 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836113 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836115 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836126 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836129 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836162 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836173 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 836177 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 836214 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836223 | xxxxxx | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 836236 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836250 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836287 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836293 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836297 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836305 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836308 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836323 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 836341 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836342 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836358 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836361 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836366 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 836374 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836378 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836389 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836420 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 836424 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836572 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836600 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836602 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836610 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836617 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836619 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836644 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 836675 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 836683 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836699 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836720 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836721 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836728 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836729 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 836743 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 836763 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836778 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836791 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836801 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836862 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 836865 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836866 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836867 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836868 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836892 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836911 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 836922 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836923 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836924 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 836926 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836949 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 836975 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836982 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 836985 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836987 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 836995 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836998 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 837070 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837082 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 837083 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 837084 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837085 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 837090 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 837121 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 837153 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837159 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837160 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837162 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837164 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837167 | 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 |
| 837208 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837226 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 837238 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837249 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837251 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837256 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837259 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837261 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837264 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837267 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837326 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837327 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837375 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837393 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837406 | xxxxxx | xxxxxx B | B A | A D | D | D B | B A | A | A B | B |
| 837433 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 837434 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837472 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837473 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837474 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837475 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837476 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837494 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837537 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837544 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837616 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837617 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837620 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837635 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837780 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 837867 | xxxxxx | xxxxxx B | N/A B C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 837948 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 838037 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 838142 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 838379 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 838383 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 838454 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |

---

## 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** |
| 819162 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 659 | 658 | Per Credit Report |
| 826859 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.79 | 22.33 | Variance due to higher rental income loss |
| 827037 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 827377 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 723 | 727 | Per Credit Report |
| 827377 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.95 | 18.04 | Per 1008 - matchs |
| 828844 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 828844 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 1 | loan is conventional per all docs provided, not DSCR |
| 829010 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| 829015 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| 829057 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| 829120 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 829379 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 46.29 | 45.13 | 1008 has incorrect Appraised Value |
| 829379 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 23.08 | 22.50 | 1008 has incorrect Appraised Value |
| 830331 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 13.50 | Per Note |
| 830343 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 830343 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 4 | 1 | Per Appraisal |
| 830343 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Other | Per Appraisal |
| 830345 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 830345 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per Appraisal |
| 830368 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 830368 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 830518 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 830518 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 830518 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 830518 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 830589 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 732 | 709 | Per Credit Report |
| 830589 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.61 | 9.56 | Variance due to audit lower income calculation |
| 830589 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 830595 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.26 | 35.00 | Audit DTI w/in tolerance of lender's DTI per 1008 |
| 830823 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.94 | 34.34 | Lender did not exclude debts paid at closing |
| 830823 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 830866 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 831239 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.35 | 37.43 | Missing lender approval to validate DTI |
| 831358 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.93 | 49.60 | Audit calculated a lower income |
| 831358 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 831386 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 744 | 760 | Per Credit Report |
| 831386 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.67 | 43.17 | Lender double counted escrows on 1st lien |
| 831386 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 61.25 | 61.51 | CLTV matches 1008 |
| 831402 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 831403 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.875 | 8.5000 | Per Note |
| 831403 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 831403 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per Settlement Statement |
| 831429 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.91 | 47.37 | Audited DTI includes accurate first mortgage payment. Lender used principal payment only. |
| 831460 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 759 | 723 | Per Credit Report |
| 831460 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 831476 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 119482.27 | 116679.94 | Per Final CD |
| 831586 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 738 | 740 | Per Credit Report |
| 831586 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 54.91 | 55.00 | audit matches final 1008 |
| 831646 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 734 | 737 | Per Credit Report |
| 831646 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.16 | 46.26 | All of the lenders 3 1008's were done incorrectly, showing the subject property in the wrong area (where the primary payment should be) |
| 831646 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 831739 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 831903 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 804 | 749 | Per Credit Report |
| 831903 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 831903 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 79.95 | 0.00 | Per Approval |
| 831903 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final CD |
| 831923 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.87 | 41.09 | Audit in line with lender 1008, within tolerance |
| 831923 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 831963 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.62 | 35.89 | Review matches 1008 in file |
| 831970 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.84 | 64.73 | Per Approval |
| 832151 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 24 | 0 | Per Note |
| 832175 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 705 | 691 | Per Credit Report |
| 832175 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.32 | 44.57 | Lender 1008 reflects audit within 2% of DTI |
| 832175 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.47 | 69.76 | Per 1008 |
| 832175 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 16.92 | 17.19 | Per 1008 |
| 832184 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.01 | 23.58 | Lender did not include the first lien payment |
| 832184 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 832194 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832194 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Credit Report |
| 832201 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832201 | xxxxxx | xxxxxx | HOA Flag | propertyValuationPage | No | Y | Per Appraisal |
| 832205 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 832205 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 832208 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 832208 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832208 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 832210 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832222 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832248 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.69 | 43.67 | Lender used lower liabilities |
| 832248 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832250 | xxxxxx | xxxxxx | Vested Business Entity Name | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust Vesting |
| 832250 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832254 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2628.23 | DSCR |
| 832254 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832255 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832266 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832275 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832297 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.87 | 43.70 | Audit excluded auth signor account |
| 832321 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 832321 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832323 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.63 | 31.00 | Audit matched Lender 1008 |
| 832323 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 832323 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832323 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 832323 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 69.74 | Per 1008 |
| 832323 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 69.74 | Per 1008 |
| 832357 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 753 | 750 | Per Credit Report |
| 832357 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.69 | 30.46 | Audit matches 1008 |
| 832357 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 78.92 | 79.33 | Per 1008 |
| 832463 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD |
| 832467 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 832477 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 832477 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 832477 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 54.08 | 44.97 | Per 1008 |
| 832622 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.75 | 7.6250 | Per Note |
| 832622 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 832647 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 832713 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 832722 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.42 | 48.56 | Audit matches Lender 1008 |
| 832750 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.05 | 9.52 | Per client, added SelfRent into the DTI post close. |
| 832750 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 832775 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 832791 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 781 | 773 | Per Credit Report |
| 832791 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 832859 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.88 | 39.40 | Audit matches with Lender 1008 |
| 832861 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.76 | 49.35 | DTI is within 2% from loan approval |
| 832861 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70.87 | 72.66 | Per 1008 |
| 832861 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 26.42 | 26.67 | Per 1008 |
| 832964 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.2 | 46.18 | Audit calculated higher total debt. |
| 832964 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.75 | 9.5000 | Per Note |
| 832964 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 832964 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 832988 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 58.25 | 63.34 | Loan amount / appraised value |
| 832988 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 58.25 | 63.34 | Loan amount / appraised value |
| 832989 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 832989 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Condotel | Per Appraisal |
| 833012 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.86 | 32.52 | Audit in line with 1008 |
| 833024 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833036 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 833036 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 833084 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.85 | 26.64 | Audit Matches 1008 |
| 833084 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833092 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 7.2500 | Per Note |
| 833108 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.53 | 33.43 | Audit matches the Lender's 1008. |
| 833114 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833114 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 84.99 | 0.00 | Per Approval |
| 833144 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 73.85 | 72.74 | Per 1008 |
| 833144 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 73.85 | 72.74 | Per 1008 |
| 833170 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 798 | 800 | Per Credit Report |
| 833170 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.46 | 37.42 | Audit matches lender 1008 |
| 833170 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 833221 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833228 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.23 | 49.69 | Audit in line with 1008 |
| 833262 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.58 | 44.27 | Lender used PITIA includes escrow shortage. |
| 833262 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833270 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.77 | 41.53 | Due to higher PITIA on 1008. |
| 833284 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 833297 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833297 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 833297 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 62.07 | 62.89 | Per 1008 |
| 833297 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 62.07 | 62.89 | Per 1008 |
| 833299 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833301 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 833301 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833304 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 833307 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833307 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Attached | Per Appraisal |
| 833309 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.259 | 1.25 | Audit matches Lender's DSCR Calculation |
| 833309 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 986.51 | DSCR |
| 833309 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833309 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 833310 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833310 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833310 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833314 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 493.41 | DSCR |
| 833314 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833321 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.23 | 37.17 | Audit included current primary residence |
| 833321 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833325 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 833325 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833329 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833337 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 833337 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833337 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 833349 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 833349 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833350 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833353 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 833357 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833357 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | 5 Year | Per Note |
| 833358 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833360 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 833360 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833360 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 833362 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 833362 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.32 | 41.99 | It appears that the Lender hit the borrower twice for the housing payment on the subject (INV).  |
| 833362 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833366 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833372 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833376 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833389 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833451 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833451 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 833463 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.91 | 24.41 | Audit in line with 1008 |
| 833483 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 46.62 | 47.87 | Per 1008 |
| 833483 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 46.62 | 47.87 | Per 1008 |
| 833484 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 6.8750 | Per Note |
| 833484 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833484 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 49.06 | 52.98 | Per 1008 |
| 833484 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 49.06 | 52.98 | Per 1008 |
| 833502 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 40.63 | 40.62 | loan amount/appraisal value |
| 833502 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 40.63 | 40.62 | loan amount/appraisal value |
| 833523 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 0.0738 | Per Note |
| 833602 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.09 | 37.14 | Audit matches with 1008 |
| 833602 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.79 | 73.78 | Per 1008 |
| 833602 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 11.28 | 12.10 | Per 1008 |
| 833607 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.328 | 1.09968560798473 | Variance due to lender using an unknown higher STR amount |
| 833607 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 833612 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833640 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 833669 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.21 | 24.00 | Variance from approval due to Audit calc. lower REO |
| 833671 | xxxxxx | xxxxxx | Borrower 1 How was title held? | the1003Page | Jointly | Individually | Per Title |
| 833703 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.27 | 30.21 | Variance due to Audit calculating lower B2 income |
| 833722 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.25 | 0.0725 | Per Note |
| 833791 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.13 | 39.44 | Variance due to Audit calculating less income. |
| 833791 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 833791 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833804 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 833808 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.58 | 37.56 | Audit DTI matches Lender's 1008 |
| 833824 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.04 | 1.00 | Tape does not match 1008-unable to determine variance |
| 833862 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833919 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.02 | 9.34 | Variance due to Lender subject REO calc incorrect. 8 mos avg per Sch E. |
| 833919 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 833933 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 833934 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 833934 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 833934 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 833973 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 833973 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834028 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.54 | 11.33 | Audit DTI within 2% of the Lender's 1008 |
| 834031 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 834035 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 834035 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 834040 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 834040 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 834044 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 834044 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834109 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 834109 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 834142 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 765 | 772 | Per Credit Report |
| 834142 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 834142 | xxxxxx | xxxxxx | Interest Only Term | notePage | 60 | 120 | Per Note |
| 834142 | xxxxxx | xxxxxx | Note Type | notePage | Fixed | ARM | Per Note |
| 834142 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 834142 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final CD |
| 834163 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 834163 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 834163 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 834175 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834208 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.23 | 6.57 | Audit matches Lender's 1008 |
| 834219 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834246 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 694 | 690 | Per Credit Report |
| 834246 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.25 | 14.05 | Audit within 2% of the 1008 |
| 834254 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.77 | 33.98 | Audit matches with 1008 |
| 834265 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.03 | 49.99 | Per Audit. Max per guidelines 50% |
| 834265 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834268 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.87 | 13.00 | Review used the lower YTD earnings from 3 month bank statements. |
| 834268 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834269 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834269 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834274 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 834274 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 834280 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.42 | 42.36 | Audit matches Lender's approval |
| 834280 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834287 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 834290 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834294 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 834295 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 834296 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 834297 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per docs in file |
| 834297 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834297 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834300 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 834353 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.38 | 26.00 | Audit within 2% of Lender DTI on 1008 |
| 834353 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.03 | 67.92 | Per 1008 |
| 834354 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834372 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.02 | 39.85 | Audit DTI is within 2% of the 1008 |
| 834372 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834400 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.95 | 30.48 | Audit matches with 1008 |
| 834402 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.32 | 49.22 | Audit DTI within 2% of the 1008 |
| 834404 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 834404 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 834472 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.03 | 3.27 | audit DTI match the 1008 |
| 834472 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834473 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 702 | 707 | Per Credit Report |
| 834473 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.07 | 43.43 | Variance due to Lender double counted T&I in 1st lien payment |
| 834482 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 834482 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per SSN verification in file |
| 834494 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834525 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 0.8 | 1.00 | Per cash to borrower on CD. |
| 834525 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.17 | 23.09 | Per 1008. |
| 834525 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | finalCdDetailPage | 51382.04 | 15330.97 | Per Final CD |
| 834549 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 834569 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 19.11 | 69.00 | Reviewed verified assets |
| 834597 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2148.63 | 2048.64 | Per HOA payment included. |
| 834597 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| 834615 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 834615 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3016.66 | 3042.00 | Matches lenders approval |
| 834621 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 55.13 | 114.00 | Verified total assets available |
| 834621 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | 12 | Per Note |
| 834625 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 15.51 | 125.00 | Investment cashout |
| 834625 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 36131.35 | -33369.79 | Per Settlement Statement |
| 834628 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 102.77 | 40.00 | From verified assets |
| 834628 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 834628 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 834628 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| 834656 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834679 | xxxxxx | xxxxxx | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | Per Approval |
| 834689 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 710 | 683 | Per Credit Report |
| 834689 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.94 | 49.00 | Audit DTI within 2% of the 1008 |
| 834689 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834796 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.12 | 15.90 | Audit matches lender 1008 |
| 834796 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834804 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 834807 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834825 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834864 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.65 | 6.51 | Audit matches Lender's 1008 |
| 834869 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 834869 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 834893 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 7.8750 | Per Note |
| 834905 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.53 | 32.40 | Audit DTI within 2% of the 1008 |
| 834905 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 834905 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834920 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.85 | 52.84 | Variance due to Lender using lower qualifying payment |
| 834920 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834920 | xxxxxx | xxxxxx | Margin | notePage | 3.75 | 2.000 | Per Note |
| 834920 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 834928 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834931 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 69.88 | 65.93 | Solar subordinated. |
| 834932 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834933 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 834970 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 802 | 810 | Per Credit Report |
| 834970 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.54 | 44.37 | Audit matches Lender's 1008 |
| 834973 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.01 | 29.60 | Audit DTI matches Lender's 1008 |
| 834974 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.95 | 36.70 | Variance due to lender counting debt paid |
| 834990 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1559.73 | DSCR loan |
| 834990 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834992 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 834992 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3279.74 | DSCR loan |
| 834992 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834993 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 834993 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834994 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3174.82 | DSCR loan |
| 834995 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3174.82 | DSCR loan |
| 834997 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3254.72 | DSCR loan |
| 834997 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 834998 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal |
| 834999 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835000 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835001 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835002 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835004 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 835004 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835005 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835011 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835014 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1824.10 | DSCR loan |
| 835014 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835015 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.282 | 1.15 | Audit matches with Lender 1008 |
| 835020 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835020 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| 835021 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835021 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 835021 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 835022 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835022 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 835025 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835025 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 835030 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835036 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835038 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.154 | 1.28 | Market Rent/PITIA, Lender DSCR Worksheet not provided |
| 835038 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835038 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 5 | 4 | Per Appraisal |
| 835038 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| 835048 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835050 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835051 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | No | Y | Condotel |
| 835057 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835058 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835060 | xxxxxx | xxxxxx | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documentation |
| 835060 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire. |
| 835061 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835063 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 835065 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 835066 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 835066 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835068 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 835069 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835070 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 835071 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835071 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 835072 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 835072 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835074 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per Appraisal |
| 835075 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835080 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835080 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 835081 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.42 | 37.71 | audit income differ from lender income calc |
| 835081 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835084 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3063.56 | DSCR |
| 835086 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835086 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Based on G/L and audit review |
| 835096 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835098 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.2 | 11.68 | Lender did not count departure residence in DTI. |
| 835098 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835101 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.214 | 1 | Audit matches with Lender Calculation |
| 835101 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835107 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 835114 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.94 | 27.94 | Variance due to Audit using new primary payment for B1 |
| 835114 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 835114 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 835114 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 835120 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835126 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.65 | 43.51 | UTD due to missing approval. |
| 835233 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.93 | 48.73 | Audit matches Lender 1008 |
| 835241 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.43 | 38.17 | Audit matches 1008 |
| 835306 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835308 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.03 | 40.52 | Variance due to Audit calculated higher REO losses |
| 835313 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.78 | 37.81 | Audit within 2% of 1008 |
| 835313 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835313 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD |
| 835315 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835330 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835334 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.94 | 49.30 | Variance due to Lender using a higher P&I |
| 835334 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835334 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835336 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.07 | 49.33 | Audit within 2% of the 1008 |
| 835336 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835337 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.52 | 32.59 | Audit DTI matches lenders 1008 |
| 835399 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835399 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 72.73 | 69.29 | Per 1008 |
| 835399 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 72.73 | 69.29 | Per 1008 |
| 835456 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.69 | 27.38 | Audit matches with 1008 |
| 835460 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.26 | 38.85 | Audit matches Lender 1008 |
| 835472 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.31 | 21.90 | Variance due to audit using higher PITIA |
| 835472 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835472 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD |
| 835480 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.62 | 23.45 | Audit income slightly lower than lender |
| 835517 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.82 | 25.45 | Audit DTI within 2% of the 1008 DTI |
| 835517 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 835517 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835518 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.14 | 29.16 | Audit matches Lender's 1008 |
| 835583 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.89 | 6.50 | Audit DTI within 2% of the 1008 DTI |
| 835583 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835624 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.9 | 8.43 | Audit matches final 1008 |
| 835624 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 835624 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835624 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 40.52 | 40.30 | loan amount/sales price |
| 835624 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 40.52 | 40.30 | loan amount/sales price |
| 835624 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD |
| 835647 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 756 | 720 | Per Credit Report |
| 835647 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835668 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835711 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.52 | 32.45 | Audit matches with Lender Calculation |
| 835711 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835719 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.74 | 31.70 | Audit within 2% of the 1008 |
| 835719 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 835719 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.15 | 76.62 | loan amount + first lien/appraisal value |
| 835773 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 835773 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 835773 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 835773 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 21100.00 | Per Final 1003 |
| 835780 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.82 | 32.22 | Variance due to Audit calculating lower other monthly debts |
| 835780 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 835809 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 835853 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 791 | 783 | Per Credit Report |
| 835853 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.62 | 17.00 | Audit matches Lender's 1008 |
| 835853 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835882 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx-1 DSCR | xxxxxx 10 Investor DSCR - 30yr Fixed | Re-Underwrite to xxxxxx-1 |
| 835882 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| 835907 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.57 | 26.36 | Audit matches 1008 |
| 835937 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 835944 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.68 | 31.25 | Audit matches Lender's 1008 |
| 835991 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 836000 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD |
| 836005 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.99 | 35.00 | Audit within 2% of the Lender 1008 |
| 836042 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.04 | 12.24 | Audit matches Lender's 1008 |
| 836042 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836107 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 836113 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.56 | 29.54 | Audit matches Lender's 1008 |
| 836126 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 810 | 816 | Per Credit Report |
| 836126 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.39 | 25.86 | Audit DTI matches Lender's 1008 |
| 836129 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 7.8750 | Per Note |
| 836129 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836162 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.83 | 44.39 | Audit matches Lender's 1008 |
| 836162 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836173 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 836177 | xxxxxx | xxxxxx | Term | notePage | 480 | 360 | Per Note |
| 836297 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 836361 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 836361 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 836361 | xxxxxx | xxxxxx | Borrower 1 Race - I do not wish to provide this information | the1003Page | false | true | Per 1003 |
| 836366 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836389 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836572 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836572 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836617 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 836617 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | Primary Residence | Per 1003 |
| 836619 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 836644 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 836675 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per Appraisal |
| 836683 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836720 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 836720 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 836721 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 836743 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 694 | 697 | Per Credit Report |
| 836763 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836791 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 836791 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836862 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 836862 | xxxxxx | xxxxxx | Borrower 1 Face-to-Face Interview | the1003Page | false | True | Per 1003 |
| 836866 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836892 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.69 | 46.26 | Variance due to Lender not including primary payment |
| 836892 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 836892 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 72.73 | Per 1008 |
| 836892 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 72.73 | Per 1008 |
| 836892 | xxxxxx | xxxxxx | Occupancy | the1003Page | Investment | Primary Residence | Per 1008 |
| 836911 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.87 | 20.67 | Audit DTI within 2% of the 1008 |
| 836923 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 836949 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 836987 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837082 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 837084 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 749 | 739 | Per Credit Report |
| 837085 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837121 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837153 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837153 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837160 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 9 | 5 | Per Appraisal |
| 837208 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 1.02 | 3.00 | per asset docs |
| 837226 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837226 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837267 | xxxxxx | xxxxxx | Margin | notePage | 3.75 | 2.000 | Per Note |
| 837375 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837393 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.57 | 46.22 | Audit DTI matches Lender's 1008 |
| 837433 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837434 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 837434 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 837472 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.12 | 32.09 | Variance due to calculating lower income |
| 837472 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837472 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837476 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837476 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837494 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837616 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837620 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837635 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 837635 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| 837867 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 808 | 800 | Per Credit Report |
| 837867 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 837867 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 52.85 | 52.78 | loan amount + 1st lien/appraisal value |
| 837948 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | 0 | Per Note |
| 837948 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 837948 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 837948 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 4 | Per Appraisal |
| 838142 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 838379 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.77 | 42.48 | Lender added the Rental payment towards debt that is not required. |
| 838379 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 838383 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838383 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838454 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838454 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838454 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 1 | Per Appraisal |

---

## 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?** |
| 819162 | 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 | 6471 | 9.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2562.72 | Yes | Employed |  | No |  | No |  |
| 826320 | 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 |
| 826677 | 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 | 7980 | 7.689 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8812.01 | Yes | Employed |  | No |  | No |  |
| 826859 | 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 | 79038.59 | N/A | Employed |  | No |  | Yes | Present |
| 827037 | 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 | 4948.64 | 9.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13777.54 | N/A | Employed |  | No |  | No |  |
| 827377 | 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 | 7755 | 7.836 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12048.51 | Yes | Employed |  | No |  | No |  |
| 828176 | 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 | 4098.46 | 11.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5162.21 | N/A | Employed | Employed | No | No | No |  |
| 828844 | 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 | 903.31 | N/A | Retired |  | No |  | Yes | Present |
| 828973 | 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 |
| 829010 | 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 |
| 829015 | 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 |
| 829057 | 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 |
| 829063 | 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 | 12496.88 | 9.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4220.41 | Yes | Employed |  | No |  | No |  |
| 829120 | 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 | 7090 | 10.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 16785.62 | N/A | Employed |  | No |  | No |  |
| 829126 | 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 |  |  |  |  | No |  | Yes | Present |
| 829379 | 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 | 9.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18953.78 | Yes | Employed |  | No |  | No |  |
| 829417 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 829512 | 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 |
| 830148 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 515182.86 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 830305 | 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 |  |  |  |  | No |  | Yes | Present |
| 830331 | 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 |
| 830343 | 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 |
| 830345 | 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 |
| 830368 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 830518 | 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 | No | Yes | Present |
| 830589 | 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 | 33273 | 7.704 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91019.11 | Yes | Employed |  | No |  | No |  |
| 830595 | 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 | 1966 | 9.318 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 357670.32 | Yes | Employed | Not Employed | No | No | No |  |
| 830639 | 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 | 2991.63 | 9.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10838.99 | N/A | Employed | Not Employed | No | No | No |  |
| 830664 | 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 |
| 830823 | 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 | 4097.92 | 9.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9052.15 | Yes | Employed | Employed | No | No | No |  |
| 830839 | 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 | 2565 | 8.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25976.66 | N/A | Employed |  | No |  | No |  |
| 830851 | 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 |
| 830866 | 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 |  |  |  |  | No |  | Yes | Present |
| 831123 | 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 |  |  |  |  | No | No | Yes | Present |
| 831168 | 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 | 3610 | 8.89 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 4765.99 | N/A | Employed |  | No |  | No |  |
| 831239 | 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 | 10083 | 7.015 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 15919.7 | Yes | Employed | Employed | No | No | No |  |
| 831358 | 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 | 8615.66 | 9.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5337.75 | Yes | Employed |  | No |  | No |  |
| 831382 | 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 |
| 831386 | 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 | 4190 | 8.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7525.68 | N/A | Employed |  | No |  | No |  |
| 831402 | 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 | 3240 | 7.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5674.48 | N/A | Employed |  | No |  | No |  |
| 831403 | 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 |  | Yes | Present |
| 831429 | 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 | 2400 | 9.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6504.5 | N/A | Employed | Not Employed | No | No | No |  |
| 831460 | 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 |
| 831476 | 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 | 3565 | 12.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9105.29 | N/A | Employed | Employed | No | No | No |  |
| 831488 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 831532 | 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 | 1550 | 7.923 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22427.85 | Yes | Employed |  | No |  | No |  |
| 831546 | 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 | 6829.31 | 9.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9419.96 | N/A | Employed | Employed | No | No | No |  |
| 831549 | 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 | 4670 | 8.85 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8370.09 | Yes | Employed | Not Employed | No | No | No |  |
| 831551 | 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 | 4595 | 9.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8002.45 | Yes | Employed |  | No |  | No |  |
| 831552 | 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 | 7385.07 | 9.471 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3787.26 | Yes | Employed |  | No |  | No |  |
| 831586 | 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 | 3110.75 | 8.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3002.14 | Yes | Retired |  | No |  | No |  |
| 831598 | 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 | Yes | Yes | 33950.71 | Yes | Employed | Employed | No | No | Yes | Present |
| 831600 | 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 |
| 831639 | 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 |
| 831646 | 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 | 6479 | 7.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35715.45 | Yes | Employed | Employed | No | No | No |  |
| 831688 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 831738 | 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 | 7485 | 9.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4537.42 | N/A | Employed |  | No |  | No |  |
| 831739 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 831782 | 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 |  |  |  |  | No |  | Yes | Present |
| 831820 | 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 |
| 831903 | 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 | 595 | 8.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24586.58 | N/A | Employed | Not Employed | No | No | No |  |
| 831905 | 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 | 3590 | 8.885 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6227.29 | N/A | Employed | Employed | No | No | No |  |
| 831923 | 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 | 13660.85 | Yes | Employed |  | No |  | Yes | Present |
| 831948 | 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 | 5295 | 9.345 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11506.68 | N/A | Employed |  | No |  | No |  |
| 831963 | 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 | 1090 | 8.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19711.93 | Yes | Employed | Not Employed | No | No | No |  |
| 831970 | 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 | 1994.95 | 8.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8037.44 | Yes | Employed |  | No |  | No |  |
| 831985 | 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 |
| 832149 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 832151 | 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 |  |  |  |  | No |  | Yes | Present |
| 832169 | 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 | 8940 | 8.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 76189.3 | N/A | Employed |  | No |  | No |  |
| 832175 | 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 | 2300 | 10.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5080.73 | N/A | Employed | Retired | No | No | No |  |
| 832184 | 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 | 7216 | 9.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5886.12 | Yes | Employed | Retired | No | No | No |  |
| 832194 | 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 | 6004.75 | 8.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 2858.45 | N/A | Employed | Employed | No | No | No |  |
| 832196 | 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 | 24850 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36474.13 | Yes | Employed | Not Employed | No | No | No |  |
| 832201 | 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 |
| 832205 | 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 | 39505.89 | Yes | Employed |  | No |  | Yes | Present |
| 832208 | 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 |
| 832210 | 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 |
| 832222 | 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 | No | Yes | Present |
| 832242 | 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 |
| 832248 | 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 | 33972.97 | 8.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21408.92 | Yes | Employed |  | No |  | No |  |
| 832250 | 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 |
| 832254 | 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 |
| 832255 | 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 |
| 832264 | 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 | 10786.2 | 7.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11599.95 | Yes | Employed |  | No |  | No |  |
| 832266 | 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 | 6700 | 8.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3516.51 | Yes | Employed |  | No |  | No |  |
| 832275 | 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 | 15475 | 8.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8018.11 | Yes | Employed |  | No |  | No |  |
| 832276 | 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 |
| 832291 | 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 | 6604.99 | 9.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43260.99 | Yes | Employed |  | No |  | No |  |
| 832297 | 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 | 13845 | 7.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7215.28 | Yes | Employed |  | No |  | No |  |
| 832321 | 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 | 40640.32 | Yes | Retired | Not Employed | No | No | Yes | Present |
| 832323 | 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 | 41054.83 | Yes | Retired | Not Employed | No | No | Yes | Present |
| 832327 | 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 |  |  |  |  | No |  | Yes | Present |
| 832341 | 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 | 7.173 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25746.11 | N/A | Employed |  | No |  | No |  |
| 832357 | 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 | 895 | 10.373 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5980.21 | Yes | Employed | Not Employed | No | No | No |  |
| 832383 | 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 | 12635.5 | 9.359 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15834.85 | N/A | Employed |  | No |  | No |  |
| 832385 | 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 |  |  |  |  | No |  | Yes | Present |
| 832404 | 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 | 17550.81 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18284.97 | Yes | Employed |  | No |  | No |  |
| 832463 | 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 |
| 832467 | 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 | 3779.49 | 10.717 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9399.56 | N/A | Employed | Employed | No | No | No |  |
| 832477 | 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 |
| 832537 | 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 |  |  |  |  | No |  | Yes | Present |
| 832622 | 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 | 5072.57 | 9.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4170.05 | Yes | Employed |  | No |  | No |  |
| 832645 | 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 | 695 | 8.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 162097.15 | N/A | Employed |  | No |  | No |  |
| 832647 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 832673 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 832681 | 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 | 5077.5 | 8.342 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3906.59 | N/A | Employed |  | No |  | No |  |
| 832683 | 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 |
| 832689 | 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 | 3261.75 | 8.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4564.81 | Yes | Employed |  | No |  | No |  |
| 832713 | 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 | 1699.55 | 8.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4357.79 | Yes | Employed | Retired | No | No | No |  |
| 832718 | 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 |
| 832722 | 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 | 7.482 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 11423.22 | N/A | Employed | Employed | No | No | No |  |
| 832750 | 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 | 20403.03 | 8.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 113382.63 | N/A | Employed |  | No |  | No |  |
| 832754 | 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 | 14833.6 | 7.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 76070.24 | Yes | Employed |  | No |  | No |  |
| 832775 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 832789 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 832791 | 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 | 13924.06 | 7.994 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9825.64 | Yes | Employed | Employed | No | No | No |  |
| 832836 | 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 | 7696.5 | 8.994 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5301.43 | N/A | Employed |  | No |  | No |  |
| 832859 | 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 | N/A | N/A | N/A | N/A | N/A | 4507.29 | N/A | Employed |  | No |  | Yes | Present |
| 832861 | 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 | 7145 | 8.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7417.34 | N/A | Employed | Employed | No | No | No |  |
| 832944 | 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 | 3487 | 10.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11997.55 | Yes | Employed | Employed | No | No | No |  |
| 832956 | 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 | 10029 | 8.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5136.58 | Yes | Employed |  | No |  | No |  |
| 832959 | 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 |
| 832964 | 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 | 7051.9 | 9.401 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7381.35 | Yes | Employed | Employed | No | No | No |  |
| 832988 | 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 |
| 832989 | 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 |
| 832998 | 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 | 4401.25 | 8.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3912.54 | N/A | Employed | Employed | No | No | No |  |
| 833012 | 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 | 14915.48 | 8.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6835.32 | Yes | Employed | Employed | No | No | No |  |
| 833024 | 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 | 5150 | 10.727 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19324.63 | N/A | Employed | Employed | No | No | No |  |
| 833028 | 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 | 5518.13 | 8.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 43706.48 | N/A | Employed | Employed | No | No | No |  |
| 833036 | 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 |
| 833037 | 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 | 7476 | 7.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25275.69 | N/A | Employed |  | No |  | No |  |
| 833039 | 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 | 16630.6 | 8.705 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21216.71 | Yes | Employed |  | No |  | No |  |
| 833058 | 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 |  |  |  |  | No |  | Yes | Present |
| 833084 | 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 | 8270 | 8.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16393.32 | N/A | Employed |  | No |  | No |  |
| 833086 | 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 | 5310 | 7.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4985.74 | Yes | Employed |  | No |  | No |  |
| 833092 | 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 |  |  |  |  | No |  | Yes | Present |
| 833108 | 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 | 8.522 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 27282.1 | N/A | Employed |  | No |  | No |  |
| 833114 | 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 | 4683 | 9.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50906.11 | Yes | Employed |  | No |  | No |  |
| 833144 | 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 | 1944.55 | 8.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4592.61 | N/A | Employed |  | No |  | No |  |
| 833170 | 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 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15408.82 | Yes | Employed | Not Employed | No | No | No |  |
| 833187 | 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 | 2195 | 7.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 193610.29 | Yes | Employed |  | No |  | No |  |
| 833189 | 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 |  |  |  |  | No | No | Yes | Present |
| 833221 | 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 |
| 833228 | 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 | 7627.19 | 7.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9128.72 | Yes | Employed | Retired | No | No | No |  |
| 833233 | 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 | 2408.57 | 9.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3948.97 | N/A | Employed |  | No |  | No |  |
| 833257 | 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 | 21790.77 | Yes | Employed |  | No |  | Yes | Present |
| 833260 | 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 |
| 833262 | 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 | 1884.63 | 10.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6788.78 | N/A | Employed |  | No |  | No |  |
| 833270 | 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 | 1000 | 8.555 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7744.96 | N/A | Employed | Retired | No | No | No |  |
| 833276 | 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 | 9460.43 | 8.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30798.45 | N/A | Employed |  | No |  | No |  |
| 833284 | 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 |
| 833293 | 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 | 6995 | 8.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46020 | Yes | Employed |  | No |  | No |  |
| 833297 | 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 |  |  |  |  | No |  | Yes | Present |
| 833299 | 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 |
| 833301 | 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 |
| 833304 | 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 |
| 833307 | 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 |
| 833309 | 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 |
| 833310 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 833312 | 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 |
| 833313 | 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 | 8158.06 | Yes | Employed | Employed | No | No | Yes | Present |
| 833314 | 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 |
| 833316 | 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 |
| 833318 | 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 |
| 833321 | 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 | Yes | N/A | Yes | N/A | N/A | 20317.09 | Yes | Employed |  | No |  | Yes | Present |
| 833322 | 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 |
| 833325 | 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 | 26893.67 | Yes | Employed |  | No |  | Yes | Present |
| 833327 | 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 | Yes | Yes | 365019.7 | Yes | Employed |  | No |  | Yes | Present |
| 833329 | 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 |
| 833337 | 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 |
| 833342 | 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 |
| 833343 | 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 |
| 833345 | 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 |
| 833349 | 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 |
| 833350 | 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 |
| 833353 | 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 | 17075 | 7.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32076.96 | Yes | Employed |  | No |  | No |  |
| 833357 | 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 |  |  |  |  | No |  | Yes | Present |
| 833358 | 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 | 22100 | 7.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18544.27 | Yes | Employed |  | No |  | No |  |
| 833360 | 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 |
| 833362 | 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 | Yes | Yes | Yes | 32913.53 | Yes | Employed |  | No |  | Yes | Present |
| 833366 | 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 | 55475 | 9.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45463.1 | Yes | Employed |  | No |  | No |  |
| 833372 | 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 |
| 833375 | 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 |
| 833376 | 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 |
| 833389 | 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 |
| 833390 | 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 |
| 833403 | 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 |
| 833405 | 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 | 17306.72 | N/A | Employed |  | No |  | Yes | Present |
| 833411 | 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 |  |  |  |  | No |  | Yes | Present |
| 833417 | 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 | 6279.2 | 10.495 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 229051.84 | N/A | Employed |  | No |  | No |  |
| 833435 | 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 |
| 833451 | 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 | Yes | N/A | N/A | N/A | N/A | 20966.49 | Yes | Employed |  | No |  | Yes | Present |
| 833463 | 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 | 3430 | 8.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8377.31 | Yes | Employed |  | No |  | No |  |
| 833466 | 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 | 8550 | 10.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6811.26 | N/A | Employed |  | No |  | No |  |
| 833483 | 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 | 5000 | 7.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2922.08 | Yes | Employed |  | No |  | No |  |
| 833484 | 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 | 9702.13 | 7.149 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3311.53 | Yes | Employed |  | No |  | No |  |
| 833495 | 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 |  |  |  |  | No | No | Yes | Present |
| 833502 | 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 | 13977.5 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 161231.29 | Yes | Employed |  | No |  | No |  |
| 833523 | 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 |
| 833531 | 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 | 1345 | 9.17 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 5794.25 | N/A | Retired | Retired | No | No | No |  |
| 833532 | 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 | 7.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17567.95 | N/A | Employed |  | No |  | No |  |
| 833557 | 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 |
| 833562 | 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 |
| 833588 | 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 |
| 833602 | 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 | 595 | 9.149 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7235.68 | Yes | Employed | Employed | No | No | No |  |
| 833607 | 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 |
| 833612 | 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 | 4003.6 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9391.63 | Yes | Employed |  | No |  | No |  |
| 833618 | 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 | 10274.2 | 7.358 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 7102.28 | Yes | Employed |  | No |  | No |  |
| 833637 | 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 |  |  |  |  | No |  | Yes | Present |
| 833640 | 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 |
| 833669 | 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 | 2120 | 7.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23610.15 | N/A | Employed | Not Employed | No | No | No |  |
| 833671 | 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 | 7.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16216.81 | N/A | Employed |  | No |  | No |  |
| 833688 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 833703 | 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 | 7.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9331.1 | N/A | Retired | Retired | No | No | No |  |
| 833722 | 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 |
| 833724 | 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 |
| 833750 | 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 | 426.7 | 9.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18973.73 | Yes | Employed |  | No |  | No |  |
| 833791 | 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 | 6910 | 9.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5056.31 | Yes | Employed |  | No |  | No |  |
| 833804 | 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 | 16760 | 7.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20106.63 | N/A | Employed |  | No |  | No |  |
| 833807 | 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 | 4565 | 8.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9931.09 | N/A | Employed | Employed | No | No | No |  |
| 833808 | 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 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20132.06 | Yes | Employed |  | No |  | No |  |
| 833824 | 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 | 12226.5 | 7.671 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44855.33 | Yes | Employed | Not Employed | No | No | No |  |
| 833849 | 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 |  |  |  |  | No |  | Yes | Present |
| 833857 | 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 | 2071.54 | 7.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14392.35 | Yes | Retired |  | No |  | No |  |
| 833862 | 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 |
| 833916 | 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 | 11579.68 | 7.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7439.09 | N/A | Employed |  | No |  | No |  |
| 833919 | 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 | 9371.87 | 7.672 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 16332.18 | Yes | Employed |  | No |  | No |  |
| 833933 | 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 |
| 833934 | 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 |
| 833948 | 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 | 1590 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 29457.38 | N/A | Not Employed | Not Employed | No | No | No |  |
| 833973 | 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 |
| 834020 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 834028 | 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 | 11575 | 7.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38422.04 | N/A | Not Employed |  | No |  | No |  |
| 834031 | 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 |  |  |  |  | No |  | Yes | Present |
| 834035 | 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 | 7290 | 7.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11535.88 | Yes | Employed |  | No |  | No |  |
| 834040 | 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 | 14271.05 | N/A | Employed |  | No |  | Yes | Present |
| 834044 | 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 | 21175 | 7.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 185103.82 | N/A | Employed |  | No |  | No |  |
| 834109 | 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 | 19780 | 7.001 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24890.52 | N/A | Employed |  | No |  | No |  |
| 834142 | 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 | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 834160 | 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 | 7.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12412.59 | Yes | Employed | Employed | No | No | No |  |
| 834161 | 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 | 4038.5 | 8.619 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10480.76 | Yes | Employed |  | No |  | No |  |
| 834163 | 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 | 7590 | 7.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 140160.24 | N/A | Employed |  | No |  | No |  |
| 834175 | 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 | 6114.76 | 8.594 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 15512.22 | N/A | Employed |  | No |  | No |  |
| 834179 | 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 | 7.565 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9834.98 | N/A | Employed |  | No |  | No |  |
| 834199 | 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 | Yes | N/A | Yes | N/A | N/A | 171559.57 | Yes | Employed |  | No |  | Yes | Present |
| 834208 | 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 | 16370 | 7.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 141401.75 | Yes | Employed |  | No |  | No |  |
| 834219 | 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 | 8537.87 | 7.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15046.74 | N/A | Employed | Employed | No | No | No |  |
| 834244 | 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 |  |  |  |  | No | No | Yes | Present |
| 834246 | 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 | 4970 | 8.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 77218.8 | Yes | Not Employed | Employed | No | No | No |  |
| 834254 | 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 | 6122.51 | 8.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15779.33 | Yes | Employed |  | No |  | No |  |
| 834265 | 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 | 10047.81 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3258.92 | No | Employed |  | No |  | No |  |
| 834268 | 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 | Yes | N/A | N/A | 16774.6 | Yes | Employed |  | No |  | Yes | Present |
| 834269 | 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 |
| 834274 | 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 |
| 834280 | 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 | 5225 | 7.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4631.76 | Yes | Not Employed |  | No |  | No |  |
| 834287 | 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 |
| 834290 | 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 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 15945.64 | Yes | Employed |  | No |  | No |  |
| 834294 | 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 |  |  |  |  | No |  | Yes | Present |
| 834295 | 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 |  |  |  |  | No |  | Yes | Present |
| 834296 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 834297 | 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 | 35990 | 8.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 30255.49 | N/A | Employed |  | No |  | No |  |
| 834300 | 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 |  |  |  |  | No |  | Yes | Present |
| 834316 | 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 |
| 834353 | 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 | 6500 | 9.43 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 738534.73 | Yes | Employed |  | No |  | No |  |
| 834354 | 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 | 31447.06 | 6.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17851.26 | N/A | Not Employed |  | No |  | No |  |
| 834372 | 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 | 7.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10917.41 | Yes | Employed |  | No |  | No |  |
| 834394 | 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 | 17308 | 7.926 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16417.21 | N/A | Employed |  | No |  | No |  |
| 834397 | 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 |  |  |  |  | No |  | Yes | Present |
| 834400 | 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 | 13426.25 | 8.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15456.27 | Yes | Employed |  | No |  | No |  |
| 834402 | 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 | 19927.5 | 8.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20416.95 | N/A | Employed |  | No |  | No |  |
| 834404 | 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 | 14380 | 7.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 60037.87 | N/A | Employed |  | No |  | No |  |
| 834446 | 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 | 4824.08 | Yes | Employed |  | No |  | Yes | Present |
| 834471 | 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 | 7083 | 7.391 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 5120.53 | Yes | Employed |  | No |  | No |  |
| 834472 | 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 | 10925 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 186937.84 | Yes | Employed | Not Employed | No | No | No |  |
| 834473 | 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 | 495 | 9.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4537.62 | Yes | Employed |  | No |  | No |  |
| 834474 | 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 | 2250 | 8.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3603.52 | Yes | Employed |  | No |  | No |  |
| 834478 | 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 |  |  |  |  | No |  | Yes | Present |
| 834479 | 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 | 3999 | 9.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5957 | N/A | Employed |  | No |  | No |  |
| 834482 | 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 | 8167.35 | 7.318 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8960.76 | N/A | Retired |  | No |  | No |  |
| 834485 | 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 |
| 834494 | 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 | 10135.25 | 7.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12493.78 | Yes | Employed | Employed | No | No | No |  |
| 834525 | 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 | 10910 | 7.801 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 46409.84 | Yes | Employed |  | No |  | No |  |
| 834545 | 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 |
| 834548 | 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 |
| 834549 | 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 |
| 834554 | 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 |
| 834569 | 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 | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 834573 | 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 |
| 834580 | 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 |
| 834597 | 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 |
| 834602 | 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 |
| 834606 | 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 |
| 834607 | 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 |
| 834611 | 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 |
| 834615 | 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 |
| 834618 | 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 |
| 834619 | 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 |
| 834621 | 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 |
| 834623 | 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 |
| 834625 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 834628 | 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 |
| 834654 | 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 | 8854.87 | 9.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18747.95 | N/A | Employed | Not Employed | No | No | No |  |
| 834656 | 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 | 47726.71 | 7.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29845.71 | Yes | Employed |  | No |  | No |  |
| 834671 | 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 | 9964.5 | N/A | Employed |  | No |  | Yes | Present |
| 834677 | 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 |
| 834679 | 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 |
| 834689 | 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 | 5504.7 | Yes | Employed |  | No |  | Yes | Present |
| 834774 | 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 | 19301.3 | 7.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8126.86 | Yes | Employed |  | No |  | No |  |
| 834787 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 834796 | 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 | 11962.4 | 8.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14240.37 | Yes | Employed |  | No |  | No |  |
| 834804 | 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 | 14007.5 | 7.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41097.93 | Yes | Employed | Not Employed | No | No | No |  |
| 834807 | 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 | 1717.44 | 7.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 16691.86 | N/A | Employed | Employed | No | No | No |  |
| 834812 | 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 | 6065 | 7.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12394.92 | Yes | Employed |  | No |  | No |  |
| 834814 | 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 |  |  |  |  | No |  | Yes | Present |
| 834818 | 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 |  |  |  |  | No |  | Yes | Present |
| 834825 | 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 |  |  |  |  | No | No | Yes | Present |
| 834864 | 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 | 5932.72 | 8.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27986.9 | Yes | Employed |  | No |  | No |  |
| 834869 | 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 | 2285 | 7.669 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8853.14 | N/A | Employed |  | No |  | No |  |
| 834877 | 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 |
| 834893 | 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 | 22495 | 7.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7585.25 | Yes | Retired |  | No |  | No |  |
| 834905 | 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 | 7.289 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9502.92 | Yes | Retired | Retired | No | No | No |  |
| 834920 | 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 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26175.13 | Yes | Retired |  | No |  | No |  |
| 834927 | 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 |  |  |  |  | No |  | Yes | Present |
| 834928 | 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 | 10157.5 | 7.069 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7641.33 | N/A | Employed |  | No |  | No |  |
| 834931 | 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 | 5885 | 7.632 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10002.7 | N/A | Employed |  | No |  | No |  |
| 834932 | 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 | 16794 | 7.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14370.89 | Yes | Employed |  | No |  | No |  |
| 834933 | 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 | 6470.4 | N/A | Employed |  | No |  | Yes | Present |
| 834938 | 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 | 6743.2 | 7.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6632.14 | Yes | Employed |  | No |  | No |  |
| 834954 | 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 |
| 834970 | 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 | 8187.5 | 7.58 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5233.36 | Yes | Employed | Employed | No | No | No |  |
| 834973 | 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 | 6350 | 7.137 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4939.33 | N/A | Employed |  | No |  | No |  |
| 834974 | 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 | 1606.5 | 10.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4533.3 | Yes | Employed |  | No |  | No |  |
| 834975 | 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 | 12719 | 8.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7380.18 | Yes | Employed |  | No |  | No |  |
| 834990 | 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 |
| 834991 | 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 |
| 834992 | 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 |
| 834993 | 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 |
| 834994 | 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 |
| 834995 | 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 |
| 834996 | 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 |
| 834997 | 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 |
| 834998 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 30667.64 | Yes | Employed |  | No |  | Yes | N/A |
| 834999 | 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 |
| 835000 | 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 | 8835 | 9.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 24902.93 | Yes | Employed |  | No |  | No |  |
| 835001 | 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 | 51466.6 | 8.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36193.9 | Yes | Employed |  | No |  | No |  |
| 835002 | 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 |
| 835004 | 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 |
| 835005 | 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 | 21720 | 7.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 196442.2 | Yes | Employed |  | No |  | No |  |
| 835007 | 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 |
| 835011 | 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 | 31545.88 | 7.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30707.48 | Yes | Employed |  | No |  | No |  |
| 835014 | 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 |
| 835015 | 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 |
| 835018 | 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 | 53393.75 | 7.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 101987.3 | Yes | Employed |  | No |  | No |  |
| 835020 | 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 |
| 835021 | 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 | Yes | Yes | 100543.65 | Yes | Employed |  | No |  | Yes | Present |
| 835022 | 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 | 22035 | 9.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24025.28 | Yes | Employed |  | No |  | No |  |
| 835025 | 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 | 39632 | 7.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44103.53 | Yes | Employed |  | No |  | No |  |
| 835030 | 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 |
| 835036 | 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 |
| 835038 | 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 |
| 835048 | 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 | 15225 | 7.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9882.74 | Yes | Employed |  | No |  | No |  |
| 835049 | 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 |  |  |  |  | No | No | Yes | Present |
| 835050 | 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 | 7950 | 7.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9611.2 | Yes | Employed |  | No |  | No |  |
| 835051 | 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 |
| 835057 | 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 |
| 835058 | 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 | 94451 | 8.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 71574.64 | Yes | Employed |  | No |  | No |  |
| 835060 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 835061 | 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 | 10115 | 8.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6605.64 | Yes | Retired | Retired | No | No | No |  |
| 835063 | 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 |
| 835065 | 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 |
| 835066 | 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 |
| 835068 | 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 | 16050 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9962.37 | Yes | Employed |  | No |  | No |  |
| 835069 | 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 |
| 835070 | 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 |
| 835071 | 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 |
| 835072 | 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 |
| 835074 | 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 |
| 835075 | 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 |
| 835080 | 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 |
| 835081 | 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 | 16595 | 7.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9483.08 | Yes | Employed |  | No |  | No |  |
| 835084 | 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 |
| 835086 | 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 | Yes | N/A | Yes | Yes | Yes | 31789.67 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 835096 | 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 |
| 835098 | 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 | 13475 | 7.588 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 181220.41 | Yes | Employed |  | No |  | No |  |
| 835101 | 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 |
| 835107 | 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 | 3870.44 | 8.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 465048.65 | Yes | Employed |  | No |  | No |  |
| 835114 | 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 | 10565 | 7.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32797.76 | Yes | Employed | Employed | No | No | No |  |
| 835120 | 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 | 35182.5 | 7.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26561.51 | Yes | Employed |  | No |  | No |  |
| 835126 | 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 | Yes | N/A | N/A | Yes | Yes | 7328.6 | Yes | Employed |  | No |  | Yes | Present |
| 835128 | 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 | 6050 | 7.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13151.59 | N/A | Employed |  | No |  | No |  |
| 835132 | 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 | 7557.45 | 8.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38293.6 | Yes | Employed |  | No |  | No |  |
| 835172 | 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 | 7.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3329.15 | N/A | Employed |  | No |  | No |  |
| 835173 | 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 |  |  |  |  | No |  | Yes | Present |
| 835189 | 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 | 5376.61 | 8.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4662.29 | N/A | Employed |  | No |  | No |  |
| 835208 | 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 |  |  |  |  | No | No | Yes | Present |
| 835210 | 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 | 6745 | 7.091 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6970.34 | N/A | Employed |  | No |  | No |  |
| 835233 | 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 | 7170 | 8.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4761.68 | Yes | Employed |  | No |  | No |  |
| 835241 | 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 | 2870 | 7.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10963.91 | N/A | Employed |  | No |  | No |  |
| 835242 | 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 | 1550 | 8.681 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 428638.8 | Yes | Employed |  | No |  | No |  |
| 835246 | 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 |  |  |  |  | No |  | Yes | Present |
| 835306 | 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 |  |  |  |  | No |  | Yes | Present |
| 835308 | 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 | 12822.56 | 8.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7739.07 | Yes | Employed |  | No |  | No |  |
| 835313 | 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 | 7.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7564.95 | Yes | Employed | Employed | No | No | No |  |
| 835315 | 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 | 7.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6711.75 | Yes | Retired |  | No |  | No |  |
| 835321 | 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 | 8422.6 | 7.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24871.91 | Yes | Employed | Employed | No | No | No |  |
| 835330 | 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 | 8490 | 7.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7355.14 | N/A | Employed |  | No |  | No |  |
| 835334 | 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 | 7.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38085.71 | N/A | Employed | Employed | No | No | No |  |
| 835336 | 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 | 9530 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4700.85 | N/A | Employed |  | No |  | No |  |
| 835337 | 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 | 9485 | 7.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7184.42 | Yes | Employed |  | No |  | No |  |
| 835346 | 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 |
| 835347 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 11146.03 | Yes | Employed |  | No |  | Yes | Present |
| 835399 | 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 | 6035 | 7.263 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4748.52 | N/A | Employed | Employed | No | No | No |  |
| 835403 | 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 | 4516.76 | 7.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7787.69 | Yes | Employed |  | No |  | No |  |
| 835407 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 835422 | 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 | 31175 | 8.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 232786.3 | Yes | Employed |  | No |  | No |  |
| 835456 | 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 | 13040.6 | 6.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28013.25 | Yes | Employed |  | No |  | No |  |
| 835460 | 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 | 7800 | 7.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18113.45 | N/A | Employed |  | No |  | No |  |
| 835472 | 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 | 3425.28 | 9.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4596.76 | N/A | Employed |  | No |  | No |  |
| 835480 | 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 | 25575 | 7.236 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 78638.14 | N/A | Employed |  | No |  | No |  |
| 835487 | 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 | 11897 | 8.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19467.33 | Yes | Employed |  | No |  | No |  |
| 835513 | 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 |  |  |  |  | No |  | Yes | Present |
| 835517 | 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 | 1842.1 | 7.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8425.33 | N/A | Not Employed |  | No |  | No |  |
| 835518 | 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 | 5466.25 | 7.537 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4220.94 | Yes | Not Employed |  | No |  | No |  |
| 835521 | 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 | Yes | Yes | 4379.67 | Yes | Employed | Employed | No | No | Yes | Present |
| 835578 | 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 |  |  |  |  | No |  | Yes | Present |
| 835583 | 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 | 4331.88 | 7.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11593.77 | Yes | Employed | Not Employed | No | No | No |  |
| 835616 | 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 | 33675 | 7.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 119973.54 | N/A | Employed |  | No |  | No |  |
| 835617 | 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 |
| 835621 | 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 | 7345 | 7.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22492.61 | N/A | Employed | Employed | No | No | No |  |
| 835622 | 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 | 15730.2 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17542.8 | N/A | Employed |  | No |  | No |  |
| 835624 | 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 | 7.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19394.13 | Yes | Employed |  | No |  | No |  |
| 835647 | 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 | 40995.2 | 7.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 157029.33 | Yes | Employed | Not Employed | No | No | No |  |
| 835668 | 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 | 10665.25 | 8.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10585.67 | Yes | Employed | Employed | No | No | No |  |
| 835686 | 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 | 8814.7 | 10.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28454.24 | Yes | Employed |  | No |  | No |  |
| 835688 | 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 | 7.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10303.34 | N/A | Employed |  | No |  | No |  |
| 835711 | 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 | 9127.19 | 9.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10313.87 | Yes | Employed |  | No |  | No |  |
| 835719 | 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 | 4730.03 | 9.084 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 11305.16 | Yes | Employed | Employed | No | No | No |  |
| 835721 | 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 |  |  |  |  | No |  | Yes | Present |
| 835728 | 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 |
| 835750 | 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 | 7465 | 7.546 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6898.55 | Yes | Employed |  | No |  | No |  |
| 835772 | 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 | 8355 | 7.479 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 51892.14 | Yes | Employed |  | No |  | No |  |
| 835773 | 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 | 10108 | 8.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14350.51 | N/A | Employed |  | No |  | No |  |
| 835780 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 3642 | 9.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13304.08 | Yes | Employed |  | No |  | No |  |
| 835809 | 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 | 6755 | 8.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6232.32 | Yes | Employed |  | No |  | No |  |
| 835840 | 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 | 4210.75 | 7.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5055.81 | Yes | Employed | Retired | No | No | No |  |
| 835850 | 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 |
| 835853 | 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 | 1790 | 7.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25657.78 | Yes | Not Employed | Not Employed | No | No | No |  |
| 835864 | 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 | 15631 | 7.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15366 | N/A | Employed |  | No |  | No |  |
| 835878 | 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 |
| 835882 | 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 |
| 835907 | 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 | 4942.25 | 7.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17369.53 | Yes | Employed |  | No |  | No |  |
| 835923 | 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 |
| 835937 | 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 | 77821.99 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 835944 | 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 | 3818.4 | 9.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3865.71 | N/A | Employed |  | No |  | No |  |
| 835991 | 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 | 8310 | 8.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9192.02 | N/A | Employed |  | No |  | No |  |
| 836000 | 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 | 1790 | 8.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7895.8 | Yes | Employed |  | No |  | No |  |
| 836005 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 6273.19 | Yes | Employed |  | No |  | Yes | Present |
| 836042 | 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 | 6508.14 | 9.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44837.19 | Yes | Employed |  | No |  | No |  |
| 836061 | 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 | 5081.93 | 9.641 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22363.79 | Yes | Employed |  | No |  | No |  |
| 836087 | 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 | 6000 | 8.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4811.21 | Yes | Employed |  | No |  | No |  |
| 836107 | 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 | 17345 | 8.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7031.19 | Yes | Employed |  | No |  | No |  |
| 836108 | 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 | 7.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16603.38 | Yes | Employed |  | No |  | No |  |
| 836113 | 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 | 23510.48 | N/A | Employed |  | No |  | Yes | Present |
| 836115 | 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 |  |  |  |  | No |  | Yes | Present |
| 836126 | 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 | 7.836 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5686.52 | N/A | Not Employed |  | No |  | No |  |
| 836129 | 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 | 4360.6 | 7.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2685.53 | N/A | Employed | Retired | No | No | No |  |
| 836162 | 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 | 2600 | 8.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13638.97 | N/A | Employed |  | No |  | No |  |
| 836173 | 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 | 2713.48 | 8.085 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6791.41 | Yes | Not Employed | Not Employed | No | No | No |  |
| 836177 | 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 | 1640 | 8.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18695.78 | N/A | Retired |  | No |  | No |  |
| 836214 | 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 |  |  |  |  | No |  | Yes | Present |
| 836223 | 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 | 2485 | 8.432 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 247935.36 | N/A | Employed |  | No |  | No |  |
| 836236 | 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 | 2048 | 9.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5654.49 | Yes | Employed |  | No |  | No |  |
| 836250 | 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 | 2550 | 7.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28322.38 | Yes | Employed |  | No |  | No |  |
| 836287 | 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 | 7.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 68466.66 | N/A | Employed |  | No |  | No |  |
| 836293 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 836297 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 30532.9 | Yes | Retired | Retired | No | No | Yes | Present |
| 836305 | 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 |  |  |  |  | No |  | Yes | Present |
| 836308 | 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 |
| 836323 | 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 | 15515 | 9.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27161.47 | Yes | Employed |  | No |  | No |  |
| 836341 | 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 |  |  |  |  | No |  | Yes | Present |
| 836342 | 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 |
| 836358 | 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 |
| 836361 | 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 | 19160 | 7.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10452.87 | N/A | Employed |  | No |  | No |  |
| 836366 | 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 | 25165 | 7.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38449.75 | Yes | Employed |  | No |  | No |  |
| 836374 | 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 | 15804.38 | 9.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8562.47 | Yes | Employed |  | No |  | No |  |
| 836378 | 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 | 7245 | 8.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11676.1 | N/A | Employed |  | No |  | No |  |
| 836389 | 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 | 86582.32 | Yes | Employed |  | No |  | Yes | Present |
| 836420 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 24375 | 9.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28427.94 | Yes | Employed | Employed | No | No | No |  |
| 836424 | 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 | 27315 | 7.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52864.78 | Yes | Employed |  | No |  | No |  |
| 836572 | 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 | 8.392 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33006.53 | Yes | Employed |  | No |  | No |  |
| 836600 | 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 | Yes | N/A | Yes | N/A | N/A | 4878.5 | Yes | Employed |  | No |  | Yes | Present |
| 836602 | 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 | 8090 | 7.991 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10324.97 | Yes | Employed |  | No |  | No |  |
| 836610 | 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 | 10558 | 8.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8385.73 | N/A | Employed |  | No |  | No |  |
| 836617 | 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 | 3881.57 | 8.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6574.09 | Yes | Employed | Retired | No | No | No |  |
| 836619 | 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 | 4925 | 7.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5850.44 | Yes | Retired |  | No |  | No |  |
| 836644 | 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 | 11425.86 | 7.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5459.57 | Yes | Employed |  | No |  | No |  |
| 836675 | 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 |
| 836683 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | Yes | 8817.26 | 10.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13544.22 | Yes | Employed |  | No |  | No |  |
| 836699 | 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 | 29025 | 7.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35346.97 | N/A | Employed |  | No |  | No |  |
| 836720 | 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 |
| 836721 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 836728 | 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 |
| 836729 | 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 | 8.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55056.76 | N/A | Employed | Not Employed | No | No | No |  |
| 836743 | 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 | 32285.75 | 10.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10324.36 | N/A | Employed |  | No |  | No |  |
| 836763 | 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 |
| 836778 | 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 | 5542.5 | 8.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9808.93 | Yes | Employed |  | No |  | No |  |
| 836791 | 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 | 26576.18 | N/A | Employed |  | No |  | Yes | Present |
| 836801 | 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 | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 836862 | 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 | 21790 | 8.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19671.43 | N/A | Employed |  | No |  | No |  |
| 836865 | 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 |
| 836866 | 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 |
| 836867 | 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 |
| 836868 | 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 |
| 836892 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5179.48 | N/A | Retired |  | No |  | Yes | Present |
| 836911 | 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 | 11185 | 9.36 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9433.51 | Yes | Employed |  | No |  | No |  |
| 836922 | 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 |
| 836923 | 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 |  |  |  |  | No |  | Yes | Present |
| 836924 | 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 | 20745 | 8.357 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65830.92 | Yes | Employed | Employed | No | No | No |  |
| 836926 | 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 |  |  |  |  | No |  | Yes | Present |
| 836949 | 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 | 2600 | 7.994 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7887.82 | N/A | Employed |  | No |  | No |  |
| 836975 | 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 |  |  |  |  | Yes |  | Yes | Present |
| 836982 | 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 |  |  |  |  | No |  | Yes | Present |
| 836985 | 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 |  |  |  |  | No |  | Yes | Present |
| 836987 | 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 | 3883.83 | 9.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3208.33 | N/A | Employed |  | No |  | No |  |
| 836995 | 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 | 11272.81 | N/A | Employed |  | No |  | Yes | Present |
| 836998 | 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 | 8355 | 7.262 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5830.99 | Yes | Not Employed | Not Employed | No | No | No |  |
| 837070 | 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 | 17390 | 7.959 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26371.8 | Yes | Employed |  | No |  | No |  |
| 837082 | 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 | 33675.79 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 837083 | 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 |  |  |  |  | No |  | Yes | Present |
| 837084 | 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 | 16284.04 | Yes | Employed | Employed | No | No | Yes | Present |
| 837085 | 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 |
| 837090 | 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 |  |  |  |  | No |  | Yes | Present |
| 837121 | 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 | 6424.8 | 7.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41433.64 | Yes | Employed |  | No |  | No |  |
| 837153 | 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 | 9570 | 7.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 49615.73 | Yes | Not Employed | Not Employed | No | No | No |  |
| 837159 | 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 | 352288.89 | Yes | Employed |  | No |  | Yes | Present |
| 837160 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837162 | 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 |  |  |  |  | No | No | Yes | Present |
| 837164 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | Yes | Present |
| 837167 | 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 | 9875 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10910.71 | Yes | Employed |  | No |  | No |  |
| 837208 | 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 | 5654.87 | 7.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5945.71 | Yes | Employed |  | No |  | No |  |
| 837226 | 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 | 21600 | 8.227 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15350.37 | N/A | Employed |  | No |  | No |  |
| 837238 | 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 |  |  |  |  | No |  | Yes | Present |
| 837249 | 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 | 7915 | 7.71 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5776.22 | N/A | Employed |  | No |  | No |  |
| 837251 | 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 | 11266.88 | 8.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8104.69 | Yes | Not Employed | Employed | No | No | No |  |
| 837256 | 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 | 12101.07 | Yes | Employed |  | No |  | Yes | Present |
| 837259 | 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 | 11900.97 | Yes | Employed |  | No |  | Yes | Present |
| 837261 | 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 | 12100.99 | Yes | Employed |  | No |  | Yes | Present |
| 837264 | 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 | 12100.94 | Yes | Employed |  | No |  | Yes | Present |
| 837267 | 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 | 1707.5 | 8.705 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 261183.25 | N/A | Employed |  | No |  | No |  |
| 837326 | 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 | 13235 | 7.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22336.08 | Yes | Employed | Not Employed | No | No | No |  |
| 837327 | 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 | 11220 | 7.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19758.88 | Yes | Employed | Employed | No | No | No |  |
| 837375 | 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 | 7676.22 | 8.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3663.7 | Yes | Employed | Employed | No | No | No |  |
| 837393 | 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 | 20789.04 | 7.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23926.92 | Yes | Employed |  | No |  | No |  |
| 837406 | 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 | 18755 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20735.75 | Yes | Employed |  | No |  | No |  |
| 837433 | 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 | 9260 | 7.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7955.12 | N/A | Employed |  | No |  | No |  |
| 837434 | 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 | 13781.58 | N/A | Employed |  | No |  | Yes | Present |
| 837472 | 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 | 23436.94 | Yes | Employed |  | No |  | Yes | Present |
| 837473 | 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 |  |  |  |  | No |  | Yes | Present |
| 837474 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 837475 | 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 |  |  | Yes |  | Yes | Present |
| 837476 | 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 |  |  |  |  | No | No | Yes | Present |
| 837494 | 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 | 14432 | 8.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40796.95 | Yes | Employed |  | No |  | No |  |
| 837537 | 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 |
| 837544 | 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 | 14145 | 7.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 130656.77 | N/A | Employed | Not Employed | No | No | No |  |
| 837616 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 837617 | 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 | 17495 | 7.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 235764.38 | N/A | Employed |  | No |  | No |  |
| 837620 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | Yes | No | No | Yes | No | No | No | No | No | 7925 | 8.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4773.33 | N/A | Retired | Employed | No | No | No |  |
| 837635 | 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 | 11990 | 8.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24549.14 | N/A | Employed |  | No |  | No |  |
| 837780 | 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 | 5695 | 7.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2384.3 | Yes | Employed |  | No |  | No |  |
| 837867 | 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 | 11532.5 | 8.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 118122.02 | Yes | Employed | Not Employed | No | No | No |  |
| 837948 | 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 |
| 838037 | 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 |
| 838142 | 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 |
| 838379 | 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 | 33195 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28013.52 | Yes | Employed |  | No |  | No |  |
| 838383 | 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 |
| 838454 | 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 |

---

## 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** | **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** |
| 819162 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-13-2024 | 1004 URAR | xxxxxx | 49.83 | 49.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-31-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-22-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2025 | Eligible |  |  |
| 826320 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2024 | 1073 Individual Condo Report | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2024 |
| 826677 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-02-2024 | 1004 URAR | xxxxxx | 69.44 | 69.44 | xxxxxx | xxxxxx | .0129 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0129 | 95 | 0.05 | xxxxxx | xxxxxx | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 826859 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2024 | 1073 Individual Condo Report | xxxxxx | 19.6 | 64.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-17-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 827037 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-25-2024 | 1073 Individual Condo Report | xxxxxx | 36.61 | 65.05 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 11-26-2024 |
| 827377 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2024 | 1004 URAR | xxxxxx | 62.5 | 62.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-18-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 828176 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2024 | 1073 Individual Condo Report | xxxxxx | 22.86 | 79.77 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-11-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 12-08-2024 |
| 828844 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-12-2024 | 1004 URAR | xxxxxx | 23.81 | 59.01 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-26-2025 | Eligible | 1.1 | 03-26-2025 |
| 828973 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-17-2025 | 1004 URAR | xxxxxx | 70.33 | 70.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2025 | Eligible |  |  |
| 829010 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-12-2025 |
| 829015 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-13-2025 |
| 829057 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-12-2025 |
| 829063 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-17-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-21-2025 |
| 829120 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-28-2025 | 1004 URAR | xxxxxx | 30.3 | 68.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2025 |
| 829126 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-16-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829379 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-31-2025 | 1004 URAR | xxxxxx | 23.08 | 46.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829417 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-02-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829512 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-02-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830148 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-01-2025 | 1004 URAR | xxxxxx | 42.78 | 64.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2025 |
| 830305 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-19-2024 | 1004 URAR | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830331 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-30-2024 | 1025 Small Residential Income Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-11-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830343 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2025 | Other | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830345 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-16-2025 | 1025 Small Residential Income Report | xxxxxx | 50.11 | 50.11 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 03-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-24-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2025 |
| 830518 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 60.67 | 60.67 | xxxxxx | xxxxxx | -.0225 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0225 | xxxxxx | Moderate | 03-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-07-2025 |
| 830589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-06-2025 |
| 830595 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 22.69 | 74.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-07-2025 |
| 830639 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-23-2025 | 1004 URAR | xxxxxx | 11.04 | 74.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2025 |
| 830664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830823 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 16.32 | 63.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-21-2025 |
| 830839 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 20.13 | 67.77 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-21-2025 |
| 830851 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2025 | 1025 Small Residential Income Report | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830866 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-24-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2025 |
| 831123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | 58.07 | 58.07 | xxxxxx | xxxxxx | -.0868 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0868 | 02-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831168 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-10-2025 | 1004 URAR | xxxxxx | 23.13 | 45.03 | xxxxxx | xxxxxx | .0133 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0133 | 92 | 0.08 | xxxxxx | xxxxxx | 02-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-14-2025 |
| 831239 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2024 | 1004 URAR | xxxxxx | 59.02 | 59.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-04-2024 |
| 831358 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2025 | 1004 URAR | xxxxxx | 31.7 | 78.93 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-04-2025 |
| 831382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831386 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-19-2024 | 1004 URAR | xxxxxx | 20 | 61.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-30-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2024 |
| 831402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 831403 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW | 03-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831429 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 20.24 | 61.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-28-2025 | Not Eligible | 2 | 02-28-2025 |
| 831460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831476 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-16-2024 | 1004 URAR | xxxxxx | 27.55 | 84.68 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-20-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-23-2025 |
| 831488 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-25-2025 | 1004 URAR | xxxxxx | 62.66 | 62.66 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 831532 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2025 | 1004 URAR | xxxxxx | 16.07 | 59.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-21-2025 |
| 831546 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2025 | 1004 URAR | xxxxxx | 28.74 | 73.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2025 |
| 831549 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-02-2025 | 1004 URAR | xxxxxx | 19.42 | 57.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 831551 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-16-2025 | 1004 URAR | xxxxxx | 24.75 | 69.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2025 |
| 831552 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | 31.9 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 831586 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-15-2025 | 1004 URAR | xxxxxx | 9.16 | 54.91 | xxxxxx | xxxxxx | -.0374 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0374 | 91 | 0.09 | xxxxxx | xxxxxx | 02-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2025 |
| 831598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 74.97 | 74.97 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2025 | 1025 Small Residential Income Report | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831639 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 58.98 | 58.98 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 03-14-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 831738 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | 19.23 | 62.09 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831739 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831782 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-31-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-03-2025 |
| 831820 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-13-2025 | 1073 Individual Condo Report | xxxxxx | 40 | 40 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2025 |
| 831903 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 42.33 | 79.95 | xxxxxx | xxxxxx | -.0014 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0014 | 90 | 0.1 | xxxxxx | xxxxxx | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 03-05-2025 |
| 831905 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-19-2025 | 1004 URAR | xxxxxx | 14 | 39.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2025 |
| 831923 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 19.79 | 68.68 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831948 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 16.15 | 74.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-27-2025 | Eligible | 1 | 02-27-2025 |
| 831963 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 38.46 | 79.3 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-11-2025 |
| 831970 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2025 | AVM | xxxxxx | 15.42 | 64.84 | xxxxxx | xxxxxx | .0179 | 1075 Exterior Only Inspection Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0179 |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-14-2025 | 1073 Individual Condo Report | xxxxxx | 46.7 | 46.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-15-2025 | Eligible |  |  |
| 832149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 52.78 | 52.78 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832151 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 33.33 | 33.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-22-2025 |
| 832169 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-22-2025 | 1004 URAR | xxxxxx | 15.74 | 70.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-27-2025 |
| 832175 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 16.92 | 68.47 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-18-2025 |
| 832184 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 26 | 84.76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2025 |
| 832194 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 67.98 | 67.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-30-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-18-2025 | Eligible | 2 | 03-18-2025 |
| 832196 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 73.53 | 73.53 | xxxxxx | xxxxxx | .1176 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .1176 | 03-18-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 03-20-2025 |
| 832201 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-14-2024 | 1004 URAR | xxxxxx | 42.89 | 42.89 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-14-2025 | Eligible | 1 | 02-14-2025 |
| 832205 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-30-2024 | 1025 Small Residential Income Report | xxxxxx | 74.59 | 74.59 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-30-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832208 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-26-2024 | 1025 Small Residential Income Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | moderate | 02-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832210 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-27-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW | 02-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832222 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-14-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-17-2025 |
| 832242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-01-2025 | Eligible | 1.3 | 02-01-2025 |
| 832248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832250 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-12-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-12-2025 | Not Eligible | 1 | 01-12-2025 |
| 832254 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-17-2024 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-03-2025 |
| 832255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-03-2025 |
| 832264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2025 |
| 832266 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-14-2025 | 1004 URAR | xxxxxx | 69.09 | 69.09 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-16-2025 | Not Eligible | 1 | 02-16-2025 |
| 832275 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-14-2025 | 1004 URAR | xxxxxx | 72.92 | 72.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-18-2025 |
| 832276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-19-2025 |
| 832291 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | 26.27 | 79.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2025 |
| 832297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2025 | 1073 Individual Condo Report | xxxxxx | 61.54 | 61.54 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 | Eligible | 1 | 03-17-2025 |
| 832321 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832323 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-01-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 32.03 | 32.03 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832357 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-18-2025 | 1004 URAR | xxxxxx | 25.71 | 78.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-21-2025 | Eligible | 1 | 01-21-2025 |
| 832383 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-08-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | xxxxxx | -.0183 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0183 | 03-18-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-21-2025 |
| 832404 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-17-2025 | 1004 URAR | xxxxxx | 65.28 | 65.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-06-2025 |
| 832463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832467 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 18.69 | 79.05 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2025 |
| 832477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 54.08 | 54.08 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2025 | Eligible | 1 | 03-24-2025 |
| 832537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2025 | 1025 Small Residential Income Report | xxxxxx | 61.15 | 61.15 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832622 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 832645 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2025 | 1004 URAR | xxxxxx | 13.33 | 74.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-04-2025 |
| 832647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2025 |
| 832681 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 24.71 | 72.76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 03-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 03-03-2025 |
| 832683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832689 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 19.74 | 65.72 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 03-14-2025 |
| 832713 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 26.15 | 61.12 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-14-2025 |
| 832718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2025 | 1073 Individual Condo Report | xxxxxx | 59.19 | 59.19 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-11-2025 |
| 832722 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1073 Individual Condo Report | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2025 | Eligible |  |  |
| 832750 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-20-2025 |
| 832754 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-18-2025 | Eligible | 1 | 03-18-2025 |
| 832775 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-27-2025 | 1004 URAR | xxxxxx | 68.35 | 68.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 | Eligible |  |  |
| 832789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 64.95 | 64.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-13-2025 |
| 832791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832836 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 19.92 | 52.72 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2025 |
| 832859 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2025 | 1025 Small Residential Income Report | xxxxxx | 29.98 | 70.42 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832861 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | 26.42 | 70.87 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832944 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | 14.63 | 75.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-03-2025 |
| 832956 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | 64.27 | 64.27 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-17-2025 |
| 832959 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-14-2025 | 1004 URAR | xxxxxx | 42.32 | 42.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832964 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2025 | 1004 URAR | xxxxxx | 20.99 | 71.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-12-2025 |
| 832988 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-27-2025 | 1004 URAR | xxxxxx | 58.25 | 58.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 832989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2025 |
| 832998 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | 17.61 | 58.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2025 |
| 833012 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-20-2025 | Not Eligible | 1 | 03-20-2025 |
| 833024 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 18.71 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-03-2025 |
| 833028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2025 | 1073 Individual Condo Report | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2025 | Eligible |  |  |
| 833036 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 48.7 | 48.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833037 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | 03-05-2025 |
| 833039 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833058 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 50.31 | 50.31 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-05-2025 |
| 833084 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-25-2025 | 1004 URAR | xxxxxx | 36.13 | 74.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 01-28-2025 | Not Eligible |  |  |
| 833086 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2025 |
| 833092 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-04-2025 | 1073 Individual Condo Report | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833108 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-16-2025 |
| 833114 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2025 | 2055 Exterior Only Inspection Report | xxxxxx | 11.04 | 84.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833144 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 73.85 | 73.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-25-2025 | Not Eligible | 2.3 | 03-25-2025 |
| 833170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 | Eligible |  |  |
| 833187 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2025 |
| 833189 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-25-2025 | 1004 URAR | xxxxxx | 67.67 | 67.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2025 | Eligible | 1 | 02-27-2025 |
| 833221 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 48.25 | 48.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-11-2025 |
| 833228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 |
| 833233 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | 11.36 | 55.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 833257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | 39.66 | 39.66 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-24-2025 |
| 833260 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833262 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 35.38 | 84.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2025 |
| 833270 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 10.7 | 55.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833276 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 |
| 833284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 833293 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2025 | 1004 URAR | xxxxxx | 27.59 | 66.66 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 833297 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2025 | 1004 URAR | xxxxxx | 62.07 | 62.07 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-05-2025 | Eligible | 1 | 03-05-2025 |
| 833299 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-26-2024 | 1004 URAR | xxxxxx | 48.55 | 48.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-26-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833301 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-01-2025 | 1004 URAR | xxxxxx | 61.22 | 61.22 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2025 | Eligible |  |  |
| 833304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-02-2025 | Eligible |  |  |
| 833307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2025 |
| 833309 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2025 | 1025 Small Residential Income Report | xxxxxx | 67.14 | 67.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833310 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-17-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-17-2025 | Eligible | 1 | 01-17-2025 |
| 833312 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2025 |
| 833313 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-31-2025 | 1004C Manufactured Home | xxxxxx | 22.33 | 22.33 | xxxxxx | xxxxxx | .0772 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0772 | 87 | 0.13 | xxxxxx | xxxxxx | 02-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833314 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-20-2024 | 1004C Manufactured Home | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-13-2025 |
| 833318 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-05-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833321 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-27-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2025 |
| 833322 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833325 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-01-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-01-2025 | Eligible | 1 | 02-17-2025 |
| 833327 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833329 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-25-2024 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-25-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833337 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-10-2025 | 1025 Small Residential Income Report | xxxxxx | 79.11 | 79.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833342 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2025 | 1025 Small Residential Income Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833343 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-20-2024 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-20-2024 |
| 833345 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2025 | 1004 URAR | xxxxxx | 73.52 | 73.52 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-20-2025 | Eligible | 1 | 02-20-2025 |
| 833349 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-12-2025 | Eligible | 1 | 02-12-2025 |
| 833350 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2025 |
| 833353 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2025 |
| 833357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833358 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 53.57 | 53.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2025 |
| 833360 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-20-2025 | 1025 Small Residential Income Report | xxxxxx | 69.23 | 69.23 | xxxxxx | xxxxxx | -.0345 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0345 | 94 | 0.06 | xxxxxx | xxxxxx | 02-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833362 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 53.14 | 53.14 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2025 |
| 833366 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0667 | 1004 URAR |  |  |  |  | xxxxxx | x | .0667 | 02-20-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833372 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2025 | 1004 URAR | xxxxxx | 55.95 | 55.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2025 |
| 833375 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-04-2024 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833376 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-04-2025 |
| 833389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-17-2025 | Eligible |  |  |
| 833390 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-22-2025 | 1004 URAR | xxxxxx | 67.64 | 67.64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-22-2025 |
| 833403 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0269 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0269 | 91 | 0.09 | xxxxxx | xxxxxx | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833405 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-06-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0960 | 97 | 0.03 | xxxxxx | xxxxxx | 03-06-2025 | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833411 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-19-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-20-2025 |
| 833417 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-21-2024 | 1004 URAR | xxxxxx | 20.14 | 79.13 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1073 Individual Condo Report | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-19-2025 |
| 833451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 04-09-2025 | Eligible | 1 | 04-09-2025 |
| 833463 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 13.73 | 49.82 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-20-2025 |
| 833466 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 32.26 | 75.96 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 833483 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 46.62 | 46.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-13-2025 |
| 833484 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 49.06 | 49.06 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2025 | Eligible | 1.3 | 03-31-2025 |
| 833495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2025 |
| 833502 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 40.63 | 40.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2025 |
| 833531 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-10-2025 | 1004 URAR | xxxxxx | 14.43 | 74.87 | xxxxxx | xxxxxx | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0526 | xxxxxx | Moderate | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2025 |
| 833532 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-28-2025 | Eligible |  |  |
| 833557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 67.59 | 67.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2025 |
| 833562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 53.85 | 53.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-21-2025 |
| 833588 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-17-2025 |
| 833602 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 11.28 | 68.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-24-2025 | Eligible | 1 | 03-24-2025 |
| 833607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 03-13-2025 |
| 833612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2025 | Eligible | 1 | 03-24-2025 |
| 833618 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 39.83 | 39.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 03-03-2025 |
| 833637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-24-2025 | 1073 Individual Condo Report | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 03-20-2025 |
| 833669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-25-2025 |
| 833671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-15-2025 | Eligible | 2.6 | 04-15-2025 |
| 833688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 | Eligible | 2.2 | 03-27-2025 |
| 833722 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 64.4 | 64.4 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 04-01-2025 |
| 833724 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2025 |
| 833750 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-02-2025 | Not Eligible | 1 | 03-27-2025 |
| 833791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 05-14-2025 |
| 833804 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-25-2025 | 1004 URAR | xxxxxx | 72.73 | 72.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-26-2025 | Eligible | 1 | 02-26-2025 |
| 833807 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 21.49 | 69.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-26-2025 |
| 833824 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 35.83 | 35.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 |
| 833849 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 833857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 |
| 833862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833916 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2025 | 1073 Individual Condo Report | xxxxxx | 77.42 | 77.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 833919 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 03-20-2025 |
| 833934 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-21-2025 |
| 833973 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 47.9 | 47.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834020 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 36.56 | 36.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834028 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-22-2025 |
| 834031 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-09-2024 | 1004 URAR | xxxxxx | 72.8 | 72.8 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2024 |
| 834035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-24-2025 |
| 834040 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-22-2025 | 1004 URAR | xxxxxx | 43.86 | 43.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 03-22-2025 |
| 834109 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 66.4 | 66.4 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-27-2025 |
| 834142 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-27-2024 | 1004 URAR | xxxxxx | 64.89 | 64.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834160 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-20-2025 |
| 834161 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-15-2025 | 1073 Individual Condo Report | xxxxxx | 23.85 | 61.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834163 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 04-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834175 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 32.55 | 62.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-25-2025 |
| 834179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-31-2025 | Eligible | 1.5 | 03-31-2025 |
| 834199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1025 Small Residential Income Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834208 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 56.06 | 56.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834219 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834244 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2025 | Eligible | 1 | 03-14-2025 |
| 834246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-28-2025 | Eligible | 1 | 03-28-2025 |
| 834254 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-09-2025 | Not Eligible | 1.2 | 04-09-2025 |
| 834265 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 61.88 | 61.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-26-2025 |
| 834268 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 54.05 | 54.05 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 | Eligible |  |  |
| 834269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834274 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 1025 Small Residential Income Report | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 40.3 | 40.3 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-02-2025 | Not Eligible | 1 | 04-02-2025 |
| 834287 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 45 | 45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 | Eligible |  |  |
| 834294 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 47.5 | 47.5 | xxxxxx | xxxxxx | -.0606 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0606 | xxxxxx | Moderate | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834295 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 52.5 | 52.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834296 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 62.5 | 62.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834297 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-28-2024 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 10-04-2024 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-10-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834300 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 45 | 45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834316 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-25-2025 |
| 834353 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 25 | 68.03 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-25-2025 | Not Eligible |  |  |
| 834354 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 24.06 | 24.06 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-03-2025 |
| 834372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834394 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-15-2024 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-22-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2024 |
| 834397 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 66.27 | 66.27 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 834400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-22-2025 | Eligible |  |  |
| 834402 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-11-2025 |
| 834404 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 |
| 834446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1025 Small Residential Income Report | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-18-2025 |
| 834472 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 74.76 | 74.76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 | Eligible |  |  |
| 834473 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2025 | 1004 URAR | xxxxxx | 20.78 | 77.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834474 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | AVM | xxxxxx | 18.55 | 53.52 | xxxxxx | xxxxxx | -.0149 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0149 | 91 | 0.09 | xxxxxx | xxxxxx | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834478 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-14-2025 | Not Eligible |  |  |
| 834479 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 23.94 | 73.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 | Eligible | 1 | 03-26-2025 |
| 834482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-19-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-23-2025 |
| 834494 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 77.74 | 77.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-25-2025 | Eligible | 1 | 04-25-2025 |
| 834525 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-13-2024 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 10-24-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 09-23-2024 |
| 834545 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-05-2025 | 1004 URAR | xxxxxx | 66.3 | 66.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW | 02-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-12-2025 |
| 834548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | 52.17 | 52.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-19-2025 |
| 834549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-20-2025 |
| 834554 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | 69.98 | 69.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2025 |
| 834569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-25-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2025 |
| 834573 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-27-2025 | 1004 URAR | xxxxxx | 37.04 | 37.04 | xxxxxx | xxxxxx | -.0370 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0370 | xxxxxx | Moderate | 02-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834580 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-04-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-07-2025 |
| 834597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2024 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-22-2024 | Eligible | 1 | 10-18-2024 |
| 834602 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-18-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 01-22-2025 |
| 834606 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-27-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 03-03-2025 |
| 834607 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-30-2025 | 1025 Small Residential Income Report | xxxxxx | 62.11 | 62.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834611 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834615 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-20-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834618 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 71.4 | 71.4 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834619 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-23-2025 | 1004 URAR | xxxxxx | 76.19 | 76.19 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 40 | 40 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 834623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-30-2025 |
| 834625 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2025 | 1004 URAR | xxxxxx | 60.73 | 60.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 834654 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-02-2025 |
| 834656 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 78.71 | 78.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-31-2025 |
| 834671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-10-2025 | Eligible | 2 | 04-10-2025 |
| 834677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 73.42 | 73.42 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834679 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 |
| 834689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1025 Small Residential Income Report | xxxxxx | 85 | 85 | xxxxxx | xxxxxx | -.0200 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0200 | xxxxxx | Moderate | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-28-2025 |
| 834787 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-13-2024 | 1073 Individual Condo Report | xxxxxx | 54.69 | 54.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-20-2024 |
| 834796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-23-2025 | Eligible | 1 | 04-23-2025 |
| 834804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1073 Individual Condo Report | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-18-2025 | Eligible | 2.3 | 04-18-2025 |
| 834807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-20-2025 | Not Eligible | 1 | 03-20-2025 |
| 834812 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 21.88 | 47.43 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-02-2025 |
| 834814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-09-2025 | Eligible | 1.3 | 04-09-2025 |
| 834818 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 | Eligible | 1 | 04-09-2025 |
| 834825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2025 |
| 834864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 89.9 | 89.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-09-2025 | Eligible | 1.8 | 04-09-2025 |
| 834869 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-04-2025 | 1004 URAR | xxxxxx | 71.73 | 71.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-07-2025 |
| 834877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 834893 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 834905 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0468 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0468 | xxxxxx | Moderate | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 04-01-2025 |
| 834920 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 57.75 | 57.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-01-2025 |
| 834927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 |
| 834928 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 64.75 | 64.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-03-2025 |
| 834931 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 65.93 | 69.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2025 |
| 834932 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-17-2025 | 1025 Small Residential Income Report | xxxxxx | 53.33 | 53.33 | xxxxxx | xxxxxx | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0667 | xxxxxx | Moderate | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-22-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 | Eligible | 1 | 04-02-2025 |
| 834938 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 |
| 834954 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-16-2025 |
| 834973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-01-2025 | Eligible | 1 | 04-01-2025 |
| 834974 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 17.05 | 69.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-24-2025 |
| 834975 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 | Eligible | 1.3 | 04-03-2025 |
| 834990 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-03-2025 | 1004 URAR | xxxxxx | 51.05 | 51.05 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2025 |
| 834991 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-03-2025 | 1004 URAR | xxxxxx | 60.7 | 60.7 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2025 | Eligible |  |  |
| 834992 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-03-2025 | 1004 URAR | xxxxxx | 61.31 | 61.31 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2025 | Eligible | 2.8 | 01-21-2025 |
| 834993 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-03-2025 | 1004 URAR | xxxxxx | 61.31 | 61.31 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-03-2025 | Eligible |  |  |
| 834994 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-03-2025 | 1004 URAR | xxxxxx | 62.56 | 62.56 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2025 | Eligible |  |  |
| 834995 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-03-2025 | 1004 URAR | xxxxxx | 62.56 | 62.56 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2025 | Eligible |  |  |
| 834996 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-13-2025 | 1004 URAR | xxxxxx | 61.62 | 61.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-24-2025 | Eligible | 2.4 | 01-24-2025 |
| 834997 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-03-2025 | 1004 URAR | xxxxxx | 61.62 | 61.62 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2025 | Eligible | 2.7 | 02-03-2025 |
| 834998 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-19-2024 | 1073 Individual Condo Report | xxxxxx | 71.69 | 71.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-23-2024 |
| 834999 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 64 | 64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2025 |
| 835000 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-25-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2025 |
| 835001 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-27-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-01-2025 |
| 835002 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-11-2025 | Eligible | 2.2 | 02-11-2025 |
| 835004 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-16-2025 | 1004 URAR | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 01-16-2025 |
| 835005 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-21-2025 |
| 835007 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-01-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-21-2025 | Not Eligible | 1 | 03-21-2025 |
| 835011 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 62.89 | 62.89 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-26-2025 | Eligible |  |  |
| 835014 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-28-2025 |
| 835015 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-05-2025 | Eligible | 1 | 03-05-2025 |
| 835018 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2025 | 1004 URAR | xxxxxx | 67.19 | 67.19 | xxxxxx | xxxxxx | -.0326 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0326 | 02-24-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-06-2025 |
| 835020 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2025 | Other | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0146 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0146 | xxxxxx | 02-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835021 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-23-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0156 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | xxxxxx | -.0156 | 03-07-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835022 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0115 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0115 | 03-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835025 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-22-2025 | 1004 URAR | xxxxxx | 51.42 | 51.42 | xxxxxx | xxxxxx | -.0651 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0651 | 02-27-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835030 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-12-2025 | Eligible | 1 | 03-12-2025 |
| 835036 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 57.85 | 57.85 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-08-2025 | Eligible | 1 | 03-08-2025 |
| 835038 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-16-2024 | Other | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.1429 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1429 | xxxxxx | 01-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835048 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2025 | 1004 URAR | xxxxxx | 34.72 | 34.72 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-07-2025 | Eligible | 1 | 03-07-2025 |
| 835049 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2025 | 1025 Small Residential Income Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835050 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2025 | Eligible | 1 | 03-25-2025 |
| 835051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-03-2025 |
| 835057 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0504 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0504 | 90 | 0.1 | xxxxxx | xxxxxx | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835058 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0256 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0256 | 03-14-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835060 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-06-2025 | 1073 Individual Condo Report | xxxxxx | 37.04 | 37.04 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-11-2025 |
| 835061 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 70.94 | 70.94 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-17-2025 | Eligible | 1 | 03-17-2025 |
| 835063 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1025 Small Residential Income Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835065 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 03-18-2025 |
| 835066 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2025 | 1073 Individual Condo Report | xxxxxx | 48.53 | 48.53 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2025 |
| 835068 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-21-2024 | 1025 Small Residential Income Report | xxxxxx | 51.96 | 51.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-12-2025 | Eligible | 1 | 03-12-2025 |
| 835070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-26-2025 |
| 835071 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-26-2025 |
| 835072 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-07-2025 | 1073 Individual Condo Report | xxxxxx | 40.8 | 40.8 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-20-2025 |
| 835074 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-14-2025 | 1025 Small Residential Income Report | xxxxxx | 42.86 | 42.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835075 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1004 URAR | xxxxxx | 59.6 | 59.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2025 |
| 835080 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-03-2025 | 1025 Small Residential Income Report | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0116 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0116 | xxxxxx | Low | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835081 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-18-2025 | Eligible | 1.1 | 03-18-2025 |
| 835084 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-24-2025 |
| 835086 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1073 Individual Condo Report | xxxxxx | 67.07 | 67.07 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2025 | Eligible |  |  |
| 835096 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-15-2025 | 1073 Individual Condo Report | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835098 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 02-12-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835101 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-21-2025 | Eligible | 2.5 | 03-21-2025 |
| 835107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-10-2025 | Eligible | 1 | 04-10-2025 |
| 835114 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 77.89 | 77.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2025 |
| 835120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0034 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0034 | 03-26-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835126 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1025 Small Residential Income Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835128 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-09-2025 |
| 835132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 | Eligible |  |  |
| 835172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-03-2025 | Eligible | 1 | 04-03-2025 |
| 835173 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835189 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 27.48 | 77.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-11-2025 |
| 835208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-18-2025 |
| 835210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 49.5 | 49.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 | Eligible | 1 | 04-10-2025 |
| 835233 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 835241 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 68.18 | 68.18 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-09-2025 |
| 835242 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 43.48 | 67.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 |
| 835308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-20-2025 |
| 835313 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-09-2025 |
| 835315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 | Eligible | 1 | 04-15-2025 |
| 835321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-21-2025 | Eligible | 1.6 | 03-21-2025 |
| 835330 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 73.06 | 73.06 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2025 |
| 835334 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 74.19 | 74.19 | xxxxxx | xxxxxx | .0174 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0174 | 03-20-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-24-2025 |
| 835336 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 |
| 835337 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 835346 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 56.39 | 56.39 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835347 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1025 Small Residential Income Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1073 Individual Condo Report | xxxxxx | 72.73 | 72.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-14-2025 |
| 835403 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-05-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-15-2025 | Not Eligible | 1 | 04-15-2025 |
| 835407 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1025 Small Residential Income Report | xxxxxx | 68 | 68 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 68.38 | 68.38 | xxxxxx | xxxxxx | -.0025 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0025 | 04-01-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-03-2025 |
| 835456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2025 | 1025 Small Residential Income Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 67.57 | 67.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 03-31-2025 | Not Eligible | 1 | 03-31-2025 |
| 835472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 835480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0161 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0161 | 03-17-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835487 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 61.2 | 61.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 835513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | 52.65 | 52.65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-10-2025 |
| 835517 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 61.04 | 61.04 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-07-2025 | Eligible | 1 | 04-07-2025 |
| 835518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-21-2025 | Eligible |  |  |
| 835521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 835578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-03-2025 |
| 835583 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-03-2025 | Not Eligible | 2 | 04-03-2025 |
| 835616 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0077 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0077 | 04-01-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 04-09-2025 |
| 835617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-23-2025 |
| 835621 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 20.66 | 63.77 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-02-2025 |
| 835622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-16-2025 |
| 835624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 40.52 | 40.52 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-09-2025 |
| 835647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-27-2025 |
| 835686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0435 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0435 | 04-24-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 835711 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-11-2025 |
| 835719 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2025 | AVM | xxxxxx | 17.66 | 68.15 | xxxxxx | xxxxxx | -.0064 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0064 | 95 | 0.05 | xxxxxx | Other | 06-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 72.5 | 72.5 | xxxxxx | xxxxxx | -.0315 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0315 | xxxxxx | Moderate | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-26-2025 |
| 835750 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2025 |
| 835772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 | Eligible | 1 | 04-14-2025 |
| 835773 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2025 | Eligible | 1 | 04-18-2025 |
| 835780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-12-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 |
| 835809 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 835840 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1073 Individual Condo Report | xxxxxx | 35.29 | 35.29 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-26-2025 |
| 835850 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2025 |
| 835853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-23-2025 | Not Eligible | 2 | 04-23-2025 |
| 835864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-28-2025 | Eligible |  |  |
| 835878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2025 | 1025 Small Residential Income Report | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835882 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-30-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835907 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-01-2025 |
| 835923 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | 70.45 | 70.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-17-2025 | Eligible | 1 | 04-17-2025 |
| 835944 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 835991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1025 Small Residential Income Report | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836000 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-28-2025 | Eligible |  |  |
| 836005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2025 |
| 836042 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-18-2025 |
| 836061 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 04-08-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836087 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-07-2025 |
| 836107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-20-2025 |
| 836108 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-21-2025 | Not Eligible | 2 | 04-21-2025 |
| 836113 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-21-2025 |
| 836115 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-21-2024 | 1025 Small Residential Income Report | xxxxxx | 46.48 | 46.48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836126 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-16-2025 | Eligible |  |  |
| 836129 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 41.98 | 41.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 |
| 836162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 78.98 | 78.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 |
| 836173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 79.83 | 79.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 836177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-16-2025 |
| 836214 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-10-2025 | Eligible | 2.5 | 04-10-2025 |
| 836223 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2025 |
| 836236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 04-07-2025 |
| 836250 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .0167 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0167 | 04-18-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 04-11-2025 |
| 836287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-22-2202 | Eligible |  |  |
| 836293 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.1118 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.3228 | xxxxxx | High | 04-08-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1118 | xxxxxx | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-25-2025 | Eligible |  |  |
| 836308 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 69.12 | 69.12 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836323 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 836341 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2025 | 1073 Individual Condo Report | xxxxxx | 39.36 | 39.36 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836342 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-07-2024 | 1004 URAR | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-16-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-03-2025 |
| 836361 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-05-2025 | Eligible |  |  |
| 836366 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-17-2025 | Not Eligible | 2.4 | 04-17-2025 |
| 836374 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 836378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2025 |
| 836389 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-12-2025 | 1004 URAR | xxxxxx | 67.21 | 67.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 836420 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 79.95 | 79.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |
| 836424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0435 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0435 | 04-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-12-2025 |
| 836572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-08-2025 | Eligible |  |  |
| 836600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-15-2025 |
| 836602 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-09-2025 |
| 836610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 836617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1073 Individual Condo Report | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-07-2025 |
| 836619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1073 Individual Condo Report | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-04-2025 |
| 836644 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1004 URAR | xxxxxx | 73.37 | 73.37 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 836675 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-15-2025 | 1025 Small Residential Income Report | xxxxxx | 63.95 | 63.95 | xxxxxx | xxxxxx | -.0349 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0349 | xxxxxx | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-12-2025 | 1073 Individual Condo Report | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-26-2025 |
| 836699 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 | Eligible | 1 | 04-11-2025 |
| 836720 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 56.07 | 56.07 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 03-10-2025 |
| 836728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1073 Individual Condo Report | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 836729 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-06-2025 | Not Eligible | 1.9 | 05-06-2025 |
| 836743 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-23-2025 | Eligible | 1 | 04-23-2025 |
| 836763 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836778 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-23-2025 | Eligible | 1.2 | 04-23-2025 |
| 836791 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-09-2025 | Eligible | 1 | 05-09-2025 |
| 836801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-01-2025 |
| 836862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | 78.14 | 78.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 05-01-2025 |
| 836865 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-08-2025 |
| 836866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 836867 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 836868 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2025 | 1025 Small Residential Income Report | xxxxxx | 46.92 | 46.92 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836892 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 | Eligible |  |  |
| 836911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-19-2025 | Eligible | 1 | 05-01-2025 |
| 836922 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-23-2025 |
| 836923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836924 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-10-2025 |
| 836926 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-04-2025 |
| 836949 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 58.97 | 58.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 | Eligible | 1 | 04-14-2025 |
| 836975 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 59.84 | 59.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2025 |
| 836982 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836985 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 | Eligible | 1 | 04-22-2025 |
| 836987 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-25-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2025 |
| 836995 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 65.03 | 65.03 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 836998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 71.02 | 71.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 04-14-2025 |
| 837070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-15-2025 | Eligible | 1 | 04-15-2025 |
| 837082 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | 35.08 | 69.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-26-2025 |
| 837083 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 |
| 837084 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 837085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837090 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-23-2024 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-05-2025 | Eligible | 1.3 | 05-05-2025 |
| 837153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 79.94 | 79.94 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-28-2025 |
| 837159 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0280 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0280 | 03-25-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 04-16-2025 |
| 837160 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2025 | Other | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837162 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837164 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2025 |
| 837167 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | 36.81 | 56.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837208 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | 48.5 | 48.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2025 |
| 837226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-26-2025 |
| 837238 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-27-2025 | 1004 URAR | xxxxxx | 59.91 | 59.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-07-2025 | Eligible | 1.1 | 03-07-2025 |
| 837249 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 |
| 837251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-12-2025 |
| 837256 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |
| 837259 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-22-2025 |
| 837261 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-05-2025 | 1073 Individual Condo Report | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-17-2025 |
| 837264 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-05-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 837267 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-26-2025 | 1004 URAR | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-26-2025 | Eligible | 1 | 04-26-2025 |
| 837326 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2025 | 1004 URAR | xxxxxx | 84.74 | 84.74 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-15-2025 |
| 837327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 837375 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 74.84 | 74.84 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-28-2025 | Eligible |  |  |
| 837393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-24-2025 |
| 837406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 837433 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2025 |
| 837434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2025 |
| 837472 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-03-2025 | 1025 Small Residential Income Report | xxxxxx | 61.54 | 61.54 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837473 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | 1025 Small Residential Income Report | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837475 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1025 Small Residential Income Report | xxxxxx | 53.68 | 53.68 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0163 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0163 | xxxxxx | Low | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-29-2025 | Eligible | 2.5 | 04-29-2025 |
| 837537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-20-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-20-2025 |
| 837544 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | 74.35 | 74.35 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 837617 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | 59.63 | 59.63 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
| 837620 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2025 |
| 837635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2025 |
| 837780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-10-2025 | Eligible | 1 | 04-10-2025 |
| 837867 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | 23.85 | 52.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-29-2025 |
| 837948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2025 | 1025 Small Residential Income Report | xxxxxx | 76.34 | 76.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838037 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | 47.62 | 47.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2025 |
| 838142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 |
| 838379 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | 46.15 | 46.15 | xxxxxx | xxxxxx | .1154 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1154 | xxxxxx | Moderate | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-29-2025 |
| 838383 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 838454 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2025 | Other | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**SELENE DILIGENCE LLC ("SELENE") DUE DILIGENCE REVIEW NARRATIVE**

![](tm2518320d1_ex99-21img01.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;&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 April 9, 2025, through June 18, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2025-6 securitization.

&nbsp;&nbsp;&nbsp;&nbsp;&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 32 residential and 7 business purpose loans for a total of 39 loans (the "Final Securitization Population").

*<u>Credit Reviews (39):</u>*

During the Review, Selene performed a credit review on 39 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (39)</u>*

During the Review, Selene performed a compliance review, as applicable, on 39 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (39):</u>*

During the Review, Selene performed a property valuation review on 39 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (39):</u>*

During the Review, Selene performed a Data Integrity Review on 39 mortgage loans in the Final Securitization Population.

*VERUS 2025-6 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 39 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;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&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, S&P Global Ratings and Moody's Investors Service, Inc. (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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 2025-6 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;· Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the guidelines cited above;

· Re-calculated
LTV, CLTV, income, liabilities and compared these against the guidelines;

· Analyzed asset statements to determine whether
funds to close and reserves were within the guidelines; and

· 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 2025-6 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;· Tape
data received from lender/client is stored in a secured FTP folder;

· Tape
data is uploaded into the application;

· Loan
Reviewer collects validated loan data;

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

· Discrepancies
found during comparison are stored and reported.

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

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines <br> - 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 39 mortgage loans, (ii) a Compliance Review, as applicable, on 39 mortgage loans (iii) a Valuation Review on 39 mortgage loans, and (iv) a Data Integrity Review on 39 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 39 mortgage loans; 29 mortgage loans had a rating grade of A and 10 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2025-6 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ***Grades per loan (39 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (39 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (39 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (39 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (39 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (39 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (39 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.26% | &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;74.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;25.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;29 | &nbsp;&nbsp;74.36% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;36 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;37 | &nbsp;&nbsp;94.87% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-6 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

---

| | |
|:---|:---|
| *VERUS 2025-6 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**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;

2. The application is substantially filled out; and

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;&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**

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

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

39. PA Consumer Equity Protection Act

40. RI Home Loan Protection Act and Regulation 3

41. SD Mortgage Lender License – Mortgage Broker License

42. TN Home Loan Protection Act

43. UT Residential Mortgage Practices and Licensing Act

44. VA Mortgage Lender and Broker Act

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

46. WV Residential Mortgage Lender, Broker and Servicer Act

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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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&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 2025-6 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 2025-6 Executive Summary (Selene Diligence)* | Page **18** of **18** |

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## Exhibit 99.22

**EXHIBIT 99.22**

**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** |
| 832084 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-05 10:08 | 2025-05-06 06:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Gift Receipt received - Due Diligence Vendor-05/06/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Per Matrix, when the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified <br> check, a cashier's check, money order, or wire transfer. Provide supporting documentation for the Gift Funds iao $12,000 - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Gift Receipt received - Due Diligence Vendor-05/06/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/06/2025<br>|  |  | Gifts.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 |
| 832084 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-05 10:08 | 2025-05-06 06:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Gift Receipt received - Due Diligence Vendor-05/06/2025 <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Open-Asset 4 Does Not Meet Guideline Requirements Per Matrix, when the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified <br> check, a cashier's check, money order, or wire transfer. Provide supporting documentation for the Gift Funds iao $11,000 - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Gift Receipt received - Due Diligence Vendor-05/06/2025 <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-05/06/2025<br>|  |  | Gifts.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 |
| 832084 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-30 00:48 | 2025-05-06 06:35 | Waived | 2 - Non-Material B | Compliance | HigherRisk:APR | xxxxxx - Nonprime Home Loan (First Lien) (8/15) | Waived-This is a compliant xxxxxxNonprime Home Loan. The loan's (8.709%) APR equals or exceeds the xxxxxxNonprime Home Loan threshold of (8.38%). The difference is (0.329). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%). (Conn. Gen. Stat. 36a-760(a)(7)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 588 IEAD and the Final Closing disclosure on Pg#'s 143, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 616, An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower in Findings. The loan meets HPML guidelines and per external counsel, is appropriate to waive to a B Grade. - Due Diligence Vendor-06/18/2025 |  | Waived-This is a compliant xxxxxxNonprime Home Loan. The loan's (8.709%) APR equals or exceeds the xxxxxxNonprime Home Loan threshold of (8.38%). The difference is (0.329). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%). (Conn. Gen. Stat. 36a-760(a)(7)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 588 IEAD and the Final Closing disclosure on Pg#'s 143, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 616, An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower in Findings. The loan meets HPML guidelines and per external counsel, is appropriate to waive to a B Grade. - Due Diligence Vendor-06/18/2025 | Per External Counsel, this is to be waived as a "B" | Per External Counsel, this is to be waived as a "B" |  | 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 |
| 832084 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-30 00:48 | 2025-05-06 06:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC dated xxxxxx, Revised LE's Revised CD's, COC's and Disclosure Tracking Summary - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <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)). Loan Points Fee increased from $165 to $715 on Final CD Provide COC - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Received COC dated xxxxxx, Revised LE's Revised CD's, COC's and Disclosure Tracking Summary - Due Diligence Vendor-05/06/2025 |  |  | xxxxxx 2 11 CC.pdf<br> xxxxxx Tracking.pdf<br> xxxxxx 2 18 CC.pdf<br> xxxxxx 3 24 CC.pdf<br> xxxxxx 4 10 CC.pdf<br> xxxxxx CD.pdf<br> 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 |
| 832084 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-30 00:48 | 2025-05-06 06:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 588 IEAD and the Final Closing disclosure on Pg#'s 143, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 616, An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower in Findings. The loan meets HPML guidelines - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-The loan's (8.709%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 588 IEAD and the Final Closing disclosure on Pg#'s 143, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 616, An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower is Missing. The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to borrower - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 588 IEAD and the Final Closing disclosure on Pg#'s 143, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 616, An interior and exterior appraisal was completed for this property – see pg# 40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower in Findings. The loan meets HPML guidelines - Due Diligence Vendor-05/06/2025 |  |  | xxxxxx appraisal delivery.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 |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 10:43 | 2025-05-12 10:55 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-the system was corrected to accurately figure the Total Payments - Due Diligence Vendor-05/12/2025 <br> Open-The disclosed Total of Payments ($1,761,218.84) is understated by more than $35 when compared to the actual Total of Payments of ($1,761,306.84). The difference is ($88.00). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) open - Due Diligence Vendor-05/12/2025 |  | Resolved-the system was corrected to accurately figure the Total Payments - Due Diligence Vendor-05/12/2025<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 | N/A | N/A | xxxxxx |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 10:43 | 2025-05-12 10:54 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-All dates in the system were corrected to the right receipt date. - Due Diligence Vendor-05/12/2025 <br> Open-The Initial Loan Estimate Disclosure Date (xxxxxx) is more than 3 business days from the Application Date (xxxxxx). Three business days from the Application Date is (xxxxxx). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) open - Due Diligence Vendor-05/12/2025 |  | Resolved-All dates in the system were corrected to the right receipt date. - Due Diligence Vendor-05/12/2025<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 | N/A | N/A | xxxxxx |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 10:43 | 2025-05-12 10:54 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-All dates in the system were corrected to the right receipt date. - Due Diligence Vendor-05/12/2025 <br> Open-The List of Settlement Service Providers Disclosure Date (xxxxxx) is more than 3 business days from the Application Date (xxxxxx). Three business days from the Application Date is (xxxxxx). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) open - Due Diligence Vendor-05/12/2025 |  | Resolved-All dates in the system were corrected to the right receipt date. - Due Diligence Vendor-05/12/2025<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 | N/A | N/A | xxxxxx |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 10:43 | 2025-05-12 10:53 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved-The prepaids were corrected from "other" to "Lender" - Due Diligence Vendor-05/12/2025 <br> Open-There is ($860.40) of prepaid interest designated as paid to an affiliate or third-party provider disclosed under Section F "Prepaids". Under Regulation Z, charges included under the subheading "Prepaids" on the Loan Estimate or Closing Disclosure are those amounts to be paid by the consumer in advance of the first scheduled payment. Prepaid interest should not be designated as paid to anyone other than the lender. (12 CFR 1026.37(g)(2); 12 CFR 1026.38(g)(2)) - Due Diligence Vendor-05/12/2025 |  | Resolved-The prepaids were corrected from "other" to "Lender" - Due Diligence Vendor-05/12/2025<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 | N/A | N/A | xxxxxx |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-08 10:53 | 2025-05-12 10:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the initial CD - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. CD's attached. - Seller-05/09/2025 <br> Open-TRID: Missing Closing Disclosure provide the initial CD's - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. CD's attached. - Seller-05/09/2025<br>| Resolved-received the initial CD - Due Diligence Vendor-05/12/2025<br>|  |  | xxxxxx CD.pdf<br> xxxxxx CD.pdf<br> xxxxxx CD.pdf<br> xxxxxx CD.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 | Cash Out - Other | N/A | N/A | xxxxxx |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-01 02:55 | 2025-05-12 10:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-One or more of the docs T2, T19, T17, T42, T42.1 is Missing received the documentation - Due Diligence Vendor-05/12/2025 <br> Resolved-the documents provided - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-One or more of the docs T2, T19, T17, T42, T42.1 is Missing - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-One or more of the docs T2, T19, T17, T42, T42.1 is Missing received the documentation - Due Diligence Vendor-05/12/2025 <br>Resolved-the documents provided - Due Diligence Vendor-05/08/2025<br>|  |  | xxxxxx Title docs.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 |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-01 02:55 | 2025-05-12 10:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Section 50 a6 Notice is Missing | Resolved-Section 50 a6 Notice is Missing resolved - received the documentation - Due Diligence Vendor-05/12/2025 <br>Resolved-documents provided - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Section 50 a6 Notice is Missing Section 50 a6 Notice and Notice Concerning Extension of Credit is Missing. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Section 50 a6 Notice is Missing resolved - received the documentation - Due Diligence Vendor-05/12/2025 <br>Resolved-documents provided - Due Diligence Vendor-05/08/2025<br>|  |  | xxxxxx Disc.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 |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-01 02:57 | 2025-05-08 10:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received the initial LE - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-Initial LE is missing from file. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Received the initial LE - Due Diligence Vendor-05/08/2025<br>|  |  | xxxxxx Disc.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 |
| 832094 | xxxxxx | D A | Closed | xxxxxx | 2025-05-01 01:26 | 2025-05-08 10:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-The Initial 1003 is Missing Executed Initial 1003 is Missing from file. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/08/2025<br>|  |  | xxxxxx Disc.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 |
| 832103 | xxxxxx | D A | Closed | xxxxxx | 2025-05-09 10:04 | 2025-05-09 10:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _176___ and the Final Closing disclosure on Pg#'s __90__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __findings___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__266_ , and copy of the appraisal was given to the borrower – see Pg#'s __160___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025 <br> Open-The loan's (8.753%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/09/2025 |  | 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 _176___ and the Final Closing disclosure on Pg#'s __90__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __findings___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__266_ , and copy of the appraisal was given to the borrower – see Pg#'s __160___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025 |  |  |  | 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 |
| 832103 | xxxxxx | D A | Closed | xxxxxx | 2025-05-06 23:42 | 2025-05-09 10:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing in the file. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/09/2025<br>|  |  | xxxxxx Tracking.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx 2 21 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 |
| 832103 | xxxxxx | D A | Closed | xxxxxx | 2025-05-07 17:55 | 2025-05-09 09:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/09/2025<br>|  |  | xxxxxx Lock.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 |
| 832109 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 17:05 | 2025-05-02 10:10 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Updated fees and COC. Finding resolved. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. Our finance charge of $xxxxxx is accurate. I've highlighted all of the APR fees that were taken into account and the additional $135 being pointed out seems to be for a "Title Update Fee", which is not an APR fee and should not be taken into account in the finance charge. - Seller-04/30/2025 <br> Open-The disclosed finance charge ($xxxxxx) is ($135.00) below the actual finance charge($xxxxxx). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Finance charge is understated. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Our finance charge of $xxxxxx is accurate. I've highlighted all of the APR fees that were taken into account and the additional $135 being pointed out seems to be for a "Title Update Fee", which is not an APR fee and should not be taken into account in the finance charge. - Seller-04/30/2025<br>| Resolved-Updated fees and COC. Finding resolved. - Due Diligence Vendor-05/02/2025<br>|  |  | Final 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 |
| 832109 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 17:05 | 2025-05-02 10:10 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Updated fees and COC. Finding resolved. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. Our finance charge of $xxxxxx is accurate. I've highlighted all of the APR fees that were taken into account and the additional $135 being pointed out seems to be for a "Title Update Fee", which is not an APR fee and should not be taken into account in the finance charge. - Seller-04/30/2025 <br> Open-The disclosed finance charge ($xxxxxx) is ($135.00) below the actual finance charge ($455,759.29). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) Finance charge is understated. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Our finance charge of $xxxxxx is accurate. I've highlighted all of the APR fees that were taken into account and the additional $135 being pointed out seems to be for a "Title Update Fee", which is not an APR fee and should not be taken into account in the finance charge. - Seller-04/30/2025 | Resolved-Updated fees and COC. Finding resolved. - Due Diligence Vendor-05/02/2025<br>|  |  | Final 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 |
| 832109 | xxxxxx | D A | Closed | xxxxxx | 2025-04-12 22:21 | 2025-04-23 17:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided Initial CD, Revised CDs and relevant COCs. Finding resolved. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure document missing from file. - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Lender provided Initial CD, Revised CDs and relevant COCs. Finding resolved. - Due Diligence Vendor-04/23/2025<br>|  |  | xxxxxx 3 12 CC.pdf<br> xxxxxx 3 10 CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx 3 24 CC.pdf<br> xxxxxx Disc.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 |
| 832109 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 17:05 | 2025-05-02 10:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.012%) APR equals or exceeds the Federal HPML threshold of (8.37%). 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 (6.87%).(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. 294 and the Final Closing disclosure on Pg. 178 reflects escrows. Rate lock date was entered correctly – see Pg. 141. An interior and exterior appraisal was completed for this property – see Pg. 37, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 394 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/02/2025 <br> Resolved-The loan's (9.018%) APR equals or exceeds the Federal HPML threshold of (8.37%). 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 (6.87%).(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. 294 and the Final Closing disclosure on Pg. 178 reflects escrows. Rate lock date was entered correctly – see Pg. 141. An interior and exterior appraisal was completed for this property – see Pg. 37, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 394 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-04/23/2025 |  | Resolved-The loan's (9.012%) APR equals or exceeds the Federal HPML threshold of (8.37%). 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 (6.87%).(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. 294 and the Final Closing disclosure on Pg. 178 reflects escrows. Rate lock date was entered correctly – see Pg. 141. An interior and exterior appraisal was completed for this property – see Pg. 37, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 394 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/02/2025 <br> Resolved-The loan's (9.018%) APR equals or exceeds the Federal HPML threshold of (8.37%). 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 (6.87%).(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. 294 and the Final Closing disclosure on Pg. 178 reflects escrows. Rate lock date was entered correctly – see Pg. 141. An interior and exterior appraisal was completed for this property – see Pg. 37, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 394 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-04/23/2025 |  |  |  | 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 |
| 832111 | xxxxxx | A | Closed | xxxxxx | 2025-04-29 06:16 | 2025-05-02 15:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.32%) APR equals or exceeds the Federal HPML threshold of (8.2%). 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 (6.7%).(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 659-660<br> and the Final Closing disclosure on Pg#'s 474, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 679. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 743, and confirmation the appraisal was delivered to the borrower – see Pg#'s 537. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/29/2025 |  | Resolved-The loan's (9.32%) APR equals or exceeds the Federal HPML threshold of (8.2%). 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 (6.7%).(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 659-660<br> and the Final Closing disclosure on Pg#'s 474, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 679. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 743, and confirmation the appraisal was delivered to the borrower – see Pg#'s 537. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/29/2025<br>|  |  |  | 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 |
| 832439 | xxxxxx | D A | Closed | xxxxxx | 2025-04-16 04:17 | 2025-04-25 11:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-the missing CD was provided with the COC showing the change in loan discount points. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <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 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: Doc Tax Stamps/Transfer Taxes – City/County, Points - Loan Discount Fee, 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)).<br>the loan discount points were on the final CD. Provide the COC for the increase for the loan discount points. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-the missing CD was provided with the COC showing the change in loan discount points. - Due Diligence Vendor-04/25/2025<br>|  |  | xxxxxx 2 21 CC.pdf<br> xxxxxx 3 4 CC.pdf<br> xxxxxx Disc Tracking.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 | Purchase | NA | N/A | N/A | xxxxxx |
| 832439 | xxxxxx | D A | Closed | xxxxxx | 2025-04-21 14:51 | 2025-04-25 11:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/25/2025<br>|  |  | xxxxxx Lock.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 |
| 832439 | xxxxxx | D A | Closed | xxxxxx | 2025-04-16 02:58 | 2025-04-25 03:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report that is within the 10 Business Days from closing provided hence resolved.<br> - Due Diligence Vendor-04/25/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing in the file. Provide GAP credit report - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Requested Gap Credit Report that is within the 10 Business Days from closing provided hence resolved.<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/25/2025<br>|  |  | Gap.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 |
| 832439 | xxxxxx | D A | Closed | xxxxxx | 2025-04-16 02:48 | 2025-04-25 03:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business Days from closing provided hence resolved.<br> - Due Diligence Vendor-04/25/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE is missing in the file provide VOE - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Requested 3rd Party VOE that is within the 10 Business Days from closing provided hence resolved.<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/25/2025<br>|  |  | VVOE.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 |
| 834050 | xxxxxx | D A | Closed | xxxxxx | 2025-04-22 03:43 | 2025-04-29 10:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025<br>|  |  | xxxxxx CC.pdf<br> 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 |
| 834696 | xxxxxx | D A | Closed | xxxxxx | 2025-04-22 14:46 | 2025-04-24 12:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/24/2025<br>|  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834704 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 834712 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-28 11:56 | 2025-04-29 11:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Exception Approved - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Guidelines state that a business entity can't sign the note. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Waived-Exception Approved - Due Diligence Vendor-04/29/2025<br>| 1- 713 FICO score - 700 FICO minimum<br> 2- The borrower signed the Guaranty for LLC. | 1- 713 FICO score - 700 FICO minimum<br> 2- The borrower signed the Guaranty for LLC. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 834712 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-28 11:36 | 2025-04-29 11:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/29/2025<br>|  |  | xxxxxx lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834714 | xxxxxx | D A | Closed | xxxxxx | 2025-05-08 01:10 | 2025-05-12 12:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/09/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence xxxxxx not performed - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/09/2025<br>| Resolved-Received the initial CD. - Due Diligence Vendor-05/12/2025<br>|  |  | Disclosure Tracking.pdf<br> xxxxxx CD.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 | Cash Out - Other | N/A | N/A | xxxxxx |
| 834714 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 12:49 | 2025-05-12 12:54 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(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 _161___ and the Final Closing disclosure on Pg#'s __63__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_222__ , and copy of the appraisal was given to the borrower – see Pg#'s ___16__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2025 <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 (8.983%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.15%). 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 (6.65%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/12/2025 |  | 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 _161___ and the Final Closing disclosure on Pg#'s __63__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_222__ , and copy of the appraisal was given to the borrower – see Pg#'s ___16__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2025<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 | N/A | N/A | xxxxxx |
| 834714 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 12:49 | 2025-05-12 12:54 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _161___ and the Final Closing disclosure on Pg#'s __63__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_222__ , and copy of the appraisal was given to the borrower – see Pg#'s ___16__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2025 <br> Open-The loan's (8.983%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/12/2025 |  | 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 _161___ and the Final Closing disclosure on Pg#'s __63__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_222__ , and copy of the appraisal was given to the borrower – see Pg#'s ___16__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2025<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 | N/A | N/A | xxxxxx |
| 834719 | xxxxxx | D A | Closed | xxxxxx | 2025-04-16 12:26 | 2025-04-24 05:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, Revised CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-TRID: Missing Closing Disclosure Provide executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Revised LE, Initial CD, Revised CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/24/2025<br>|  |  | xxxxxx Tracking.pdf<br> xxxxxx LE CC.pdf<br> xxxxxx CD.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 | Purchase | NA | N/A | N/A | xxxxxx |
| 834719 | xxxxxx | D A | Closed | xxxxxx | 2025-04-11 07:58 | 2025-04-24 06:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 276 and the Final Closing disclosure on Pg 145 reflects escrows. Rate lock date was entered correctly – see Pg 298 An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg 335-336 and copy of the appraisal was given to the borrower – see Pg 131. The loan meets HPML guidelines. - Due Diligence Vendor-04/24/2025 <br> Resolved-The loan's (9.669%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 276 and the Final Closing disclosure on Pg 145 reflects escrows. Rate lock date was entered correctly – see Pg 298 An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg 335-336 and copy of the appraisal was given to the borrower – see Pg 131. The loan meets HPML guidelines. - Due Diligence Vendor-04/11/2025 |  | 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 276 and the Final Closing disclosure on Pg 145 reflects escrows. Rate lock date was entered correctly – see Pg 298 An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg 335-336 and copy of the appraisal was given to the borrower – see Pg 131. The loan meets HPML guidelines. - Due Diligence Vendor-04/24/2025 <br> Resolved-The loan's (9.669%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 276 and the Final Closing disclosure on Pg 145 reflects escrows. Rate lock date was entered correctly – see Pg 298 An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg 335-336 and copy of the appraisal was given to the borrower – see Pg 131. The loan meets HPML guidelines. - Due Diligence Vendor-04/11/2025 |  |  |  | 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 |
| 834723 | xxxxxx | D A | Closed | xxxxxx | 2025-05-19 11:14 | 2025-05-19 11:30 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __587__ and the Final Closing disclosure on Pg#'s _444___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __614___ An interior and exterior appraisal was completed for this property – see pg _12___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_12__ , and copy of the appraisal was given to the borrower – see Pg#'s __682___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2025 <br> Open-The loan's (8.781%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/19/2025 |  | 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 __587__ and the Final Closing disclosure on Pg#'s _444___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __614___ An interior and exterior appraisal was completed for this property – see pg _12___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_12__ , and copy of the appraisal was given to the borrower – see Pg#'s __682___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2025 |  |  |  | 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 |
| 834723 | xxxxxx | D A | Closed | xxxxxx | 2025-05-13 22:01 | 2025-05-19 11:17 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-The intent to proceed was provided - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed disclosure missing in the file. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-The intent to proceed was provided - Due Diligence Vendor-05/19/2025<br>|  |  | ITP.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 |
| 834723 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 04:38 | 2025-05-19 11:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-The initial LE was provided - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br>Open-Initial Loan Estimate missing in the file. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-The initial LE was provided - Due Diligence Vendor-05/19/2025<br>|  |  | Initial LE.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 |
| 834723 | xxxxxx | D A | Closed | xxxxxx | 2025-05-12 04:37 | 2025-05-19 11:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD's were provided - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD Missing in the file. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-The initial CD's were provided - Due Diligence Vendor-05/19/2025<br>|  |  | Disclosure Tracking.pdf<br> CD's.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 |
| 834723 | xxxxxx | D A | Closed | xxxxxx | 2025-05-14 14:27 | 2025-05-19 11:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Home ownership counseling was provided - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br>Open- - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-Home ownership counseling was provided - Due Diligence Vendor-05/19/2025<br>|  |  | Counseling Acknowledgement.pdf<br> Counseling List.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 |
| 834723 | xxxxxx | D A | Closed | xxxxxx | 2025-05-11 23:53 | 2025-05-19 10:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br>Open-The Initial 1003 is Missing Initial 1003 Missing in the file. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/19/2025<br>|  |  | Initial 1003.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 |
| 834724 | xxxxxx | D B C A | Closed | xxxxxx | 2025-05-08 09:58 | 2025-05-08 10:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _269___ and the Final Closing disclosure on Pg#'s _112___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _47___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_386__ , and copy of the appraisal was given to the borrower – see Pg#'s __343__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/08/2025 <br> Open-The loan's (8.744%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/08/2025 |  | 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 _269___ and the Final Closing disclosure on Pg#'s _112___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _47___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_386__ , and copy of the appraisal was given to the borrower – see Pg#'s __343__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/08/2025 |  |  |  | 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 |
| 834724 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-30 10:00 | 2025-05-08 10:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure which is required to run xxxxxx, Provide the same. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Received the initial CD - Due Diligence Vendor-05/08/2025<br>|  |  | xxxxxx Tracking.pdf<br> xxxxxx CD.pdf<br> xxxxxx CCs.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 |
| 834724 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-30 09:27 | 2025-05-08 04:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Required Document provided, Changes made in system , Finding Resolved - Due Diligence Vendor-05/08/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Provide copy of the fully executed, Final Settlement Statement verify NET proceeds of xxxxxx from the sale of the property located at xxxxxx City xxxxxx. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Required Document provided, Changes made in system , Finding Resolved - Due Diligence Vendor-05/08/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/08/2025<br>|  |  | Asset 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 |
| 834724 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-30 09:55 | 2025-05-07 11:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved - Due Diligence Vendor-05/07/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-05/06/2025 <br> Open-Audited Reserves of 2.85 month(s) are less than Guideline Required Reserves of 3 month(s) We have exception in file on page #331 for "Audited Reserves 2.85 are less than Guidelines reserves 3", - Due Diligence Vendor-04/30/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-05/06/2025 | Waived-Exception Approved - Due Diligence Vendor-05/07/2025<br>| Originator Comp Factors:<br> 1. Residual Income is $5,942.72. Minimum Residual Income required per guidelines is $2500. <br> 2. Borrower Contribution >5% above min; 20%, min required is 10%. | Originator Comp Factors:<br> 1. Residual Income is $5,942.72. Minimum Residual Income required per guidelines is $2500. <br> 2. Borrower Contribution >5% above min; 20%, min required is 10%. |  | 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 |
| 834727 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-28 01:57 | 2025-05-02 13:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the initial CD's and were captured - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-received the initial CD's and were captured - Due Diligence Vendor-05/02/2025<br>|  |  | xxxxxx 3 21 CC.pdf<br> xxxxxx 3 26 CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx 4 2 CC.pdf<br> xxxxxx Tracking.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 |
| 834727 | xxxxxx | D B A C | Closed | xxxxxx | 2025-05-02 12:54 | 2025-05-02 13:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-05/02/2025 <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-05/02/2025 |  | Resolved-Resolved - Due Diligence Vendor-05/02/2025<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 | N/A | N/A | xxxxxx |
| 834727 | xxxxxx | D B A C | Closed | xxxxxx | 2025-05-02 12:54 | 2025-05-02 13:01 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - Due Diligence Vendor-05/02/2025 <br> Open-You submitted a Prior Closing Disclosure Received Date (xxxxxx) earlier than the Prior Closing Disclosure Date Issued (xxxxxx). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) open - Due Diligence Vendor-05/02/2025 |  | Resolved-Resolved - Due Diligence Vendor-05/02/2025<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 | N/A | N/A | xxxxxx |
| 834727 | xxxxxx | D B A C | Closed | xxxxxx | 2025-05-02 12:54 | 2025-05-02 13:01 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved-Resolved - Due Diligence Vendor-05/02/2025 <br> Open-There are ($75.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-05/02/2025 |  | Resolved-Resolved - Due Diligence Vendor-05/02/2025<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 | N/A | N/A | xxxxxx |
| 834727 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-28 22:30 | 2025-05-02 12:20 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-05/02/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-05/01/2025 <br> Open-Cost to cure of $xxxxxx to convert an unpermitted xxxxxx back to it's original use. No value was given to the xxxxxx as<br> xxxxxx, it was valued as a xxxxxx. PG-298 - Due Diligence Vendor-04/29/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-05/01/2025 | Waived-Exception Approved - Due Diligence Vendor-05/02/2025<br>| 1- 73.08% LTV - 80% LTV maximum<br> 2- 719 FICO score - 700 FICO minimum | 1- 73.08% LTV - 80% LTV maximum<br> 2- 719 FICO score - 700 FICO minimum |  | 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 |
| 834728 | xxxxxx | C A | Closed | xxxxxx | 2025-04-16 05:41 | 2025-04-24 12:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-the COC was provided to address the increase in fees - Due Diligence Vendor-04/24/2025 <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: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <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: Doc Tax Stamps/Transfer Taxes – City/County, 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)). Doc Tax Stamps/Transfer Taxes – City/County and Broker Fees are increased $5 and $90 respectively from initial CD to final CD, we need COC for the increase. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-the COC was provided to address the increase in fees - Due Diligence Vendor-04/24/2025<br>|  |  | 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 |
| 834728 | xxxxxx | C A | Closed | xxxxxx | 2025-04-16 05:41 | 2025-04-24 12:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-x - Due Diligence Vendor-04/24/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _235___ and the Final Closing disclosure on Pg#'s __85__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _298____ 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_372__ , and copy of the appraisal was given to the borrower – see Pg#'s _76____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/24/2025 |  | Resolved-x - Due Diligence Vendor-04/24/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _235___ and the Final Closing disclosure on Pg#'s __85__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _298____ 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_372__ , and copy of the appraisal was given to the borrower – see Pg#'s _76____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/24/2025 |  |  |  | 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 |
| 834729 | xxxxxx | C A | Closed | xxxxxx | 2025-04-17 03:53 | 2025-04-25 05:54 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial CD dated xxxxxx - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Received Initial CD dated xxxxxx - Due Diligence Vendor-04/25/2025 |  |  | 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 |
| 834729 | xxxxxx | C A | Closed | xxxxxx | 2025-04-17 03:53 | 2025-04-25 05:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 276 and the Final Closing disclosure on Pg#'s 108 reflects escrows. Rate lock date was entered correctly – see Pg#'s 298. An interior and exterior appraisal was completed for this property – see pg# 15, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337 and confirmation the appraisal was delivered to the borrower – see Pg#'s 157. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br> Resolved-The loan's (9.897%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 276 and the Final Closing disclosure on Pg#'s 108 reflects escrows. Rate lock date was entered correctly – see Pg#'s 298. An interior and exterior appraisal was completed for this property – see pg# 15, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337 and confirmation the appraisal was delivered to the borrower – see Pg#'s 157. The loan meets HPML guidelines. - Due Diligence Vendor-04/17/2025 |  | 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 276 and the Final Closing disclosure on Pg#'s 108 reflects escrows. Rate lock date was entered correctly – see Pg#'s 298. An interior and exterior appraisal was completed for this property – see pg# 15, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337 and confirmation the appraisal was delivered to the borrower – see Pg#'s 157. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br> Resolved-The loan's (9.897%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 276 and the Final Closing disclosure on Pg#'s 108 reflects escrows. Rate lock date was entered correctly – see Pg#'s 298. An interior and exterior appraisal was completed for this property – see pg# 15, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337 and confirmation the appraisal was delivered to the borrower – see Pg#'s 157. The loan meets HPML guidelines. - Due Diligence Vendor-04/17/2025 |  |  |  | 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 |
| 834732 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-25 04:05 | 2025-05-01 10:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-received the initial CD - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Missing the initial CD. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-received the initial CD - Due Diligence Vendor-05/01/2025<br>|  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf<br> xxxxxx 3 17 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 |
| 834732 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-25 02:43 | 2025-05-01 10:25 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received the COC showing the appraisal review fee - Due Diligence Vendor-05/01/2025 <br> Ready for Review-See CD condition. - Seller-04/30/2025 <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: Appraisal Desk Review 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)). Appraisal Desk Review Fee added on initial CD and we do not have any COC for the desk review fee. - Due Diligence Vendor-04/25/2025 | Ready for Review-See CD condition. - Seller-04/30/2025<br>| Resolved-Received the COC showing the appraisal review fee - Due Diligence Vendor-05/01/2025<br>|  |  |  | 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 |
| 834732 | xxxxxx | D A C | Closed | xxxxxx | 2025-05-01 10:21 | 2025-05-01 10:23 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved-Corrected the B Section to Other - Due Diligence Vendor-05/01/2025 <br> Open-There are ($169.95) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-05/01/2025 |  | Resolved-Corrected the B Section to Other - Due Diligence Vendor-05/01/2025<br>|  |  |  | 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 |
| 834732 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-25 03:28 | 2025-05-01 02:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Document provided. - Due Diligence Vendor-05/01/2025 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing in file. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Purchase Contract Document provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/01/2025<br>|  |  | xxxxxx Contract.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 |
| 834732 | xxxxxx | D A C | Closed | xxxxxx | 2025-04-25 02:43 | 2025-05-01 10:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-05/01/2025 <br> Resolved-The loan's (9.775%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) Document Uploaded. 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, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosure and loan information is on Pg#'s 275, 265 and the Final Closing disclosure on Pg#'s 91, Rate lock date was entered correctly – see Pg#'s 275. An interior and exterior appraisal was completed for this property – see pg# 20, 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 325, and confirmation the appraisal was delivered to the borrower – see Pg#'s 273. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/25/2025 |  | Resolved-resolved - Due Diligence Vendor-05/01/2025 <br> Resolved-The loan's (9.775%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) Document Uploaded. 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, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosure and loan information is on Pg#'s 275, 265 and the Final Closing disclosure on Pg#'s 91, Rate lock date was entered correctly – see Pg#'s 275. An interior and exterior appraisal was completed for this property – see pg# 20, 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 325, and confirmation the appraisal was delivered to the borrower – see Pg#'s 273. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/25/2025 |  |  | 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 |
| 834737 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 05:50 | 2025-04-30 07:44 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 275 and the Final Closing disclosure on page 151 reflects escrows. Rate lock date was entered correctly – see page 293. An interior and exterior appraisal was completed for this property – see page 14, the appraisal disclosure was provided to the borrower(s)- see page 334 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Counter-We need the full copy of the appraisal to determine HPML Compliance. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/28/2025 <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. 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 275 and the Final Closing disclosure on page 151 reflects escrows. Rate lock date was entered correctly – see page 293. An interior and exterior appraisal was completed for this property – see page 14, the appraisal disclosure was provided to the borrower(s)- see page 334 and copy of the appraisal was given to the borrower is Missing. The loan does not meets HPML guidelines. Provide evidence of appraisal delivery to the borrower. - Due Diligence Vendor-04/23/2025 <br> Open-The loan's (10.775%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/23/2025 | This is all we have for the appraisal delivery. Believe we'll just need to waive this and accept the downgrade as needed. - 04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 275 and the Final Closing disclosure on page 151 reflects escrows. Rate lock date was entered correctly – see page 293. An interior and exterior appraisal was completed for this property – see page 14, the appraisal disclosure was provided to the borrower(s)- see page 334 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-04/30/2025 |  |  | xxxxxx_Appr delivery in file.pdf<br> Appr delivery in file.pdf<br> xxxxxx Appr 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 |
| 834737 | xxxxxx | D A | Closed | xxxxxx | 2025-04-17 00:41 | 2025-04-23 05:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised LE, Initial CD, COC and Disclosure Tracking Summary - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Received Revised LE, Initial CD, COC and Disclosure Tracking Summary - Due Diligence Vendor-04/23/2025<br>|  |  | xxxxxx March CC.pdf<br> xxxxxx CC.pdf<br> 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 |
| 834737 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 05:50 | 2025-04-23 05:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated Revised LE, Initial CD and Final CD - Due Diligence Vendor-04/23/2025 <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)). . - Due Diligence Vendor-04/23/2025 |  | Resolved-Updated Revised LE, Initial CD and Final CD - Due Diligence Vendor-04/23/2025<br>|  |  |  | 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 |
| 834738 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-14 06:24 | 2025-04-21 06:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Waiver and comp factors accepted - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Counter-Received Housing Exception; however, the exception does not cover the requirement for additional reserves. (6 months versus 3 months). The borrower has 3.94 months verified reserves. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-Per 2.12.2025 Matrix page 3 Credit Requirements, Housing History documentation reflects that if the Borrowers unable to document a complete 12-month housing history the following restrictions will be applied: ✓ 3 additional months reserves required. ✓ 10% minimum borrower contribution. ✓ Any available portion of a 12-month housing history must be obtained and paid as agreed. Rental payments for 7/2024 and 4/2024 are missing/undocumented. An additional 3 months reserves are required. Provide Exception. If this is no longer required, provide updated Matrix that reflects updated requirements <br> - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Only 6 months of housing history is needed per the matrix for this program. Additional reserves are not required. - Seller-04/14/2025 <br> Open-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 6 month(s). Per 2/12/2025 Matrix, if the Borrowers unable to document a complete 12-month housing history are allowed with the following restrictions: ✓ 3 additional months reserves required. ✓ 10% minimum borrower contribution.✓ Any available portion of a 12-month housing history must be obtained and paid as agreed. Rental payments for 7/2024 and 4/2024 are missing/undocumented. An additional 3 months reserves are required. Provide Exception - Due Diligence Vendor-04/14/2025 <br> Open-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 6 month(s) . - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Ready for Review-Only 6 months of housing history is needed per the matrix for this program. Additional reserves are not required. - Seller-04/14/2025 | Waived-Waiver and comp factors accepted - Due Diligence Vendor-04/21/2025 | Credit Score- Loan File 750, GL Requirement Min 700<br> Residual Income- Loan File $6008.37, GL Requirement $1500 + $150 \*2 dependents= $1800<br> DTI - Loan File 37.63%, GL Requirement max 50% | Credit Score- Loan File 750, GL Requirement Min 700<br> Residual Income- Loan File $6008.37, GL Requirement $1500 + $150 \*2 dependents= $1800<br> DTI - Loan File 37.63%, GL Requirement max 50% | xxxxxx Exception.pdf<br> xxxxxx Exception.pdf | 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 |
| 834738 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-14 06:53 | 2025-04-14 06:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated closing disclosure pages - Due Diligence Vendor-04/14/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/14/2025 |  | Resolved-Updated closing disclosure pages - Due Diligence Vendor-04/14/2025<br>| . | . |  | 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 |
| 834738 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-14 06:53 | 2025-04-14 06:58 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 443 and the Final Closing disclosure on page 237 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 509-511 and copy of the appraisal was given to the borrower – see page 83. The loan meets HPML guidelines. - Due Diligence Vendor-04/14/2025 <br> Open-The loan's (8.167%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/14/2025 |  | 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 443 and the Final Closing disclosure on page 237 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 509-511 and copy of the appraisal was given to the borrower – see page 83. The loan meets HPML guidelines. - Due Diligence Vendor-04/14/2025 |  |  |  | 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 |
| 834738 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-08 03:07 | 2025-04-14 06:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD and COC received - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Revised LE, Initial CD and COC received - Due Diligence Vendor-04/14/2025<br>|  |  | xxxxxx CD.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 | Purchase | NA | N/A | N/A | xxxxxx |
| 834738 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-09 08:26 | 2025-04-14 06:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/14/2025 <br> Ready for Review-0x30x6 is all that's required for xxxxxx....this is met. - Seller-04/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 10 Rental payments verified on bank statement via Zelle to property owner- 2/2025 pg 85, 01/2025 pg 97, 12/2024 pg 90, 11/2024 pg 103, 10/2024 pg 109, 09/2024 pg 115, 08/2024 pg 122, 07/2024- Missing, 06/2024 pg 135, 05/2024 pg 141, 04/2024 - Missing, 03/2024 pg 152, 02/2024 pg 157, 01/2024 pg 162.- Provide supporting documentation for rent 7/2024, 4/2024 - Due Diligence Vendor-04/09/2025 | Ready for Review-0x30x6 is all that's required for xxxxxx....this is met. - Seller-04/11/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/14/2025<br>|  |  |  | 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 |
| 834738 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-09 08:24 | 2025-04-14 06:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-04/14/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-04/14/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/14/2025<br>|  |  | xxxxxx Lock.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 |
| 834738 | xxxxxx | D B C A | Closed | xxxxxx | 2025-04-08 08:37 | 2025-06-05 13:46 | Waived | 2 - Non-Material B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Borrower resides in the xxxxxx<br> Individual OFAC Search in file and clear<br> xxxxxx Based assets used for transaction - Due Diligence Vendor-06/05/2025 <br> Waived-Exception Approved<br> Exception Approval on page 746<br> Exception Reason- OTHER: Borrower's Country Name is indicated as xxxxxx per passport on page 438 which is part of OFAC sanctioned countries list. - Due Diligence Vendor-04/08/2025 |  | Waived-Borrower resides in the xxxxxx<br> Individual OFAC Search in file and clear<br> xxxxxx Based assets used for transaction - Due Diligence Vendor-06/05/2025 <br> Waived-Exception Approved<br> Exception Approval on page 746<br> Exception Reason- OTHER: Borrower's Country Name is indicated as xxxxxx per passport on page 438 which is part of OFAC sanctioned countries list. - Due Diligence Vendor-04/08/2025 | DTI- Loan File 37.63%, GL Requirement Max 50% <br> Credit Score - Loan File 750, GL Requirement Min 700 <br> Residual Income- Loan File $6,008.37, GL Requirement $1,500.00 | DTI- Loan File 37.63%, GL Requirement Max 50% <br> Credit Score - Loan File 750, GL Requirement Min 700 <br> Residual Income- Loan File $6,008.37, GL Requirement $1,500.00 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 834742 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 08:53 | 2025-05-01 09:53 | Waived | 2 - Non-Material C B | Compliance | Broker:LimitFees | Tennessee - Max Broker Fees (RLBSA) | Waived-Per Counsel, appropriate to acknowledge as a B. Rule does not apply to loans secured by first mortgages on residential real property to the extent that such loans are covered by DIDMCA. - Due Diligence Vendor-05/01/2025 <br> Waived-Received the document showing the Broker Fee was paid to the origination broker, this is on page 499 - Due Diligence Vendor-04/30/2025 <br> Open-The total of all fees paid by the borrower to the broker ($xxxxxx) exceeds 2% of the loan amount ($xxxxxx). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (Tenn. Code Ann. 47-14-113(c); TN ADC 0180-17-.07(2)) open - Due Diligence Vendor-04/30/2025 |  | Waived-Per Counsel, appropriate to acknowledge as a B. Rule does not apply to loans secured by first mortgages on residential real property to the extent that such loans are covered by DIDMCA. - Due Diligence Vendor-05/01/2025 <br> Waived-Received the document showing the Broker Fee was paid to the origination broker, this is on page 499 - Due Diligence Vendor-04/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | No | xxxxxx |
| 834742 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-24 03:50 | 2025-04-30 09:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD and it was captured - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-Received the initial CD and it was captured - Due Diligence Vendor-04/30/2025<br>|  |  | xxxxxx 3 25 CC.pdf<br> xxxxxx CC.pdf<br> 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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 834742 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 08:53 | 2025-04-30 08:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved, initial closing disclosure provided- - Due Diligence Vendor-04/30/2025 <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 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-04/30/2025 |  | Resolved- - Due Diligence Vendor-04/30/2025<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 | N/A | N/A | xxxxxx |
| 834743 | xxxxxx | D A | Closed | xxxxxx | 2025-04-29 06:48 | 2025-04-30 05:24 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 318 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 35, the appraisal disclosure was provided to the borrower(s)- see page 504 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <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. 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 318 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 35, the appraisal disclosure was provided to the borrower(s)- see page 504 and copy of the appraisal was given to the borrower is Missing . The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to the borrower - Due Diligence Vendor-04/29/2025 <br> Open-The loan's (8.274%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 318 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 35, the appraisal disclosure was provided to the borrower(s)- see page 504 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 |  |  | xxxxxx Appr delivery.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 |
| 834743 | xxxxxx | D A | Closed | xxxxxx | 2025-04-29 06:48 | 2025-04-30 05:24 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(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 318 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 35, the appraisal disclosure was provided to the borrower(s)- see page 504 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <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. 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 318 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 35, the appraisal disclosure was provided to the borrower(s)- see page 504 and copy of the appraisal was given to the borrower is Missing . The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to the borrower - Due Diligence Vendor-04/29/2025 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.274%) equals or exceeds the xxxxxx HPML threshold of (8.15%). 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 (6.65%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 318 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 35, the appraisal disclosure was provided to the borrower(s)- see page 504 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 |  |  | xxxxxx Appr delivery.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 |
| 834743 | xxxxxx | D A | Closed | xxxxxx | 2025-04-22 05:01 | 2025-04-29 06:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025<br>|  |  | xxxxxx Tracking.pdf<br> xxxxxx 3 6 CC.pdf<br> xxxxxx CD.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 | Purchase | NA | N/A | N/A | xxxxxx |
| 834743 | xxxxxx | D A | Closed | xxxxxx | 2025-04-28 06:49 | 2025-04-29 06:21 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Updated Worksheet with revised income calculation received - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-The calculation validating the income is as follows: Total Deposits of $212,691.03- Excluded Deposits $27,924.01= $184,767.02 x 100% business ownership \* 50% expense ratio= $92,383.51/ 12 months = $7,698.62 Monthly Qualifying Income and the Income worksheet on page 472 reflects the same; however, the 1003 and 1008 reflect Gross Monthly Income iao $7,371.12. Provide updated 1003 and 1008 that reflects Monthly Income iao $7,698.62 and updated DTI or breakdown of the income iao $7371.12 and provide legible copy of the bank statement worksheet on page 473 - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Updated Worksheet with revised income calculation received - Due Diligence Vendor-04/29/2025<br>|  |  | xxxxxx Income Worksheet.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 |
| 834743 | xxxxxx | D A | Closed | xxxxxx | 2025-04-22 04:28 | 2025-04-29 01:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Document provided. - Due Diligence Vendor-04/29/2025 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Purchase Contract Document provided. - Due Diligence Vendor-04/29/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/29/2025<br>|  |  | xxxxxx Contract.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 |
| 834745 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-07 06:01 | 2025-05-07 06:07 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 257 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 278. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 332 and copy of the appraisal was given to the borrower – see page 314. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2025 <br> Open-The loan's (9.085%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/07/2025 |  | 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 257 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 278. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 332 and copy of the appraisal was given to the borrower – see page 314. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2025 |  |  |  | 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 |
| 834745 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 10:34 | 2025-05-07 05:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/07/2025<br>|  |  | xxxxxx CC.pdf<br> xxxxxx 3 24 CC.pdf<br> 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 |
| 834745 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 09:46 | 2025-05-07 03:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Purchase Contract uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-05/07/2025<br>|  |  | xxxxxx Contract.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 |
| 834745 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 10:43 | 2025-05-06 08:59 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception Approved<br> Exception Approval page 293<br> Exception Reason: OTHER- Program requires 1 year S/E w/ 2 years in the same field. Borrower has 20 mo in the same field. - Due Diligence Vendor-04/30/2025 | Credit Score is 747. Minimum required per guidelines is 700.<br> DTI is 31.63%. Maximum allowed per guidelines is 50%.<br> Residual Income is $9,266.63. Minimum Residual Income required per guidelines is $1500. - 04/30/2025 <br>| Waived-Exception Approved<br> Exception Approval page 293<br> Exception Reason: OTHER- Program requires 1 year S/E w/ 2 years in the same field. Borrower has 20 mo in the same field. - Due Diligence Vendor-04/30/2025<br>| DTI- Loan FIle 31.63%, GL Requirement Max 50%<br> Credit Score- Loan File 747, GL Requirement Min 700<br> Residual Income- Loan File $9266.63, GL Requirement $1500 + $150 per dependent= $1650 | DTI- Loan FIle 31.63%, GL Requirement Max 50%<br> Credit Score- Loan File 747, GL Requirement Min 700<br> Residual Income- Loan File $9266.63, GL Requirement $1500 + $150 per dependent= $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 |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-24 05:40 | 2025-04-25 06:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received Revised LE, Revised CD and COC - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-Provide Loan Estimate dated xxxxxx an related COC - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-Received Revised LE, Revised CD and COC - Due Diligence Vendor-04/25/2025<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 | Purchase | NA | N/A | N/A | xxxxxx |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-25 06:18 | 2025-04-25 06:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br> Open-The loan's (8.793%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/25/2025 |  | 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 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025<br>|  |  |  | 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 |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-25 06:18 | 2025-04-25 06:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien 06/2013)(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 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <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 (8.793%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.15%). 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 (6.65%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/25/2025 |  | 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 500 and the Final Closing disclosure on page 257 reflects escrows. Rate lock date was entered correctly – see page 542. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 695, 553 and copy of the appraisal was given to the borrower – see page 550-551. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025<br>|  |  |  | 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 |
| 834747 | xxxxxx | D A | Closed | xxxxxx | 2025-04-11 21:38 | 2025-04-24 05:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary received. - Due Diligence Vendor-04/24/2025<br>|  |  | 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 |
| 834750 | xxxxxx | C A | Closed | xxxxxx | 2025-05-01 17:52 | 2025-05-08 09:48 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received the 1004D showing the property was complete. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-Missing the 1004D, - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Received the 1004D showing the property was complete. - Due Diligence Vendor-05/08/2025<br>|  |  | 1004D.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 |
| 834753 | xxxxxx | D A | Closed | xxxxxx | 2025-05-01 02:24 | 2025-05-07 10:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD's - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Received the initial CD's - Due Diligence Vendor-05/07/2025<br>|  |  | xxxxxx 3 24 CC.pdf<br> xxxxxx 3 25 CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx 4 23 CC.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 |
| 834753 | xxxxxx | D A | Closed | xxxxxx | 2025-05-07 10:36 | 2025-05-07 10:40 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _326___ and the Final Closing disclosure on Pg#'s _213___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __351___ An interior and exterior appraisal was completed for this property – see pg _75___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_483__ , and copy of the appraisal was given to the borrower – see Pg#'s __185___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/07/2025 <br> Open-The loan's (8.279%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/07/2025 |  | 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 _326___ and the Final Closing disclosure on Pg#'s _213___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __351___ An interior and exterior appraisal was completed for this property – see pg _75___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_483__ , and copy of the appraisal was given to the borrower – see Pg#'s __185___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/07/2025<br>|  |  |  | 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 |
| 834754 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-21 10:04 | 2025-04-30 16:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Reviewed COC, Initial CD, and initial LE. Conditions satisfied request. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Counter-Received Initial CD dated xxxxxx and COC's dated xxxxxx, xxxxxx and xxxxxx. Provide the Revised LE's that correspond with the COC's dated xxxxxx and xxxxxx - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Reviewed COC, Initial CD, and initial LE. Conditions satisfied request. - Due Diligence Vendor-04/30/2025<br>|  |  | Items.pdf<br> xxxxxx 3 17 CC.pdf<br> xxxxxx 3 21 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 |
| 834754 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-30 16:34 | 2025-04-30 16:39 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-Compliant-Per External counsel it is appropriate to Waive to a Grade B. - Due Diligence Vendor-04/30/2025 <br> Open-The loan's (8.581%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.65%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/30/2025 |  | Waived-Per External counsel it is appropriate to Waive to a Grade B. Loan is compliant and is not a high cost loan - Due Diligence Vendor-04/30/2025 |  |  |  | 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 |
| 834754 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-30 16:34 | 2025-04-30 16:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.581%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 __446__ and the Final Closing disclosure on Pg#'s _295___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __461___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __329___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 <br> Rescinded-The loan's (8.581%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 __446__ and the Final Closing disclosure on Pg#'s _295___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __461___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __329___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 |  | Resolved-The loan's (8.581%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 __446__ and the Final Closing disclosure on Pg#'s _295___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __461___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __329___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 <br> Rescinded-The loan's (8.581%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(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 __446__ and the Final Closing disclosure on Pg#'s _295___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __461___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_331__ , and copy of the appraisal was given to the borrower – see Pg#'s __329___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/30/2025 |  |  |  | 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 |
| 834754 | xxxxxx | D B A C | Closed | xxxxxx | 2025-04-15 06:34 | 2025-04-29 14:11 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Waiver and comp factors accepted, Lender allows per most current Guideline version - Due Diligence Vendor-04/29/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-04/25/2025 <br> Open-Document Uploaded. Document Uploaded. Exception Approval on pg 478 reflects Exception Reason: Other 3/25/25 matrix was used on loan locked xxxxxx. The new matrix permits Modular properties; however, upon review of the 3/25/2025 xxxxxx, Modular remains Ineligible. Provide updated Exception that reflects updated Exception Reason or refer to 4/8/2025 xxxxxx that allows Modular properties - Due Diligence Vendor-04/15/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-04/25/2025 | Waived-Waiver and comp factors accepted, Lender allows per most current Guideline version - Due Diligence Vendor-04/29/2025<br>| DTI - Loan File 14.99%, GL Requirement Maximum 50%<br> Credit Score - Loan File 734, GL Requirement 700<br> Residual Income - Loan File $10,316.61. GL Requirement $1500 + $150 x 3 dependents = $1950<br> Housing History - Loan File 0X30X48months, GL Requirement 0X30x12 months<br>| DTI - Loan File 14.99%, GL Requirement Maximum 50%<br> Credit Score - Loan File 734, GL Requirement 700<br> Residual Income - Loan File $10,316.61. GL Requirement $1500 + $150 x 3 dependents = $1950<br> Housing History - Loan File 0X30X48months, GL Requirement 0X30x12 months<br>| 3.25.2025 xxxxxx- Subject Property.png<br> 4.8.2025 xxxxxx- Subject Property.png | 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 |
| 834755 | xxxxxx | D A | Closed | xxxxxx | 2025-04-17 12:21 | 2025-04-18 11:22 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _366___ and the Final Closing disclosure on Pg#'s __203__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __393___ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_440__ , and copy of the appraisal was given to the borrower – see Pg#'s __264___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/18/2025 <br> Open-The loan's (8.395%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) resolved - Due Diligence Vendor-04/18/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _366___ and the Final Closing disclosure on Pg#'s __203__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __393___ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_440__ , and copy of the appraisal was given to the borrower – see Pg#'s __264___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/17/2025 <br> Open-The loan's (8.397%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/17/2025 |  | 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 _366___ and the Final Closing disclosure on Pg#'s __203__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __393___ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_440__ , and copy of the appraisal was given to the borrower – see Pg#'s __264___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/18/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _366___ and the Final Closing disclosure on Pg#'s __203__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __393___ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_440__ , and copy of the appraisal was given to the borrower – see Pg#'s __264___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/17/2025 |  |  |  | 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 |
| 834755 | xxxxxx | D A | Closed | xxxxxx | 2025-04-17 12:21 | 2025-04-18 11:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-the recording fees were split and the coc solved the condition - Due Diligence Vendor-04/18/2025 <br> Open-The total amount of the 10% category fees ($107.00) has increased by more than 10% over the current baseline value of ($0.00). The total amount of fees in the 10% category cannot exceed ($0.00). 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)). - Due Diligence Vendor-04/17/2025 |  | Resolved-the recording fees were split and the coc solved the condition - Due Diligence Vendor-04/18/2025<br>|  |  |  | 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 |
| 834755 | xxxxxx | D A | Closed | xxxxxx | 2025-04-17 12:21 | 2025-04-18 11:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-received the COC to explain the change - Due Diligence Vendor-04/18/2025 <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: 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-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <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, 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-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-received the COC to explain the change - Due Diligence Vendor-04/18/2025<br>|  |  | xxxxxx 3 12 CC.pdf<br> xxxxxx 3 23 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 | Purchase | NA | N/A | N/A | xxxxxx |
| 834755 | xxxxxx | D A | Closed | xxxxxx | 2025-04-17 12:44 | 2025-04-17 12:53 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-the fees were correctly captured - Due Diligence Vendor-04/17/2025 <br> Open-The disclosed finance charge ($1,162,762.41) is ($177.66) below the actual finance charge($1,162,940.07). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/17/2025 |  | Resolved-the fees were correctly captured - Due Diligence Vendor-04/17/2025<br>|  |  |  | 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 |
| 834755 | xxxxxx | D A | Closed | xxxxxx | 2025-04-17 12:21 | 2025-04-17 12:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-the fees were correctly captured - Due Diligence Vendor-04/17/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($107.00) has increased by more than 10% over the current baseline value of ($0.00). The total amount of fees in the 10% category cannot exceed ($0.00). 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)). - Due Diligence Vendor-04/17/2025 |  | Resolved-the fees were correctly captured - Due Diligence Vendor-04/17/2025<br>|  |  |  | 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 |
| 834755 | xxxxxx | D A | Closed | xxxxxx | 2025-04-10 04:31 | 2025-04-17 12:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD and was captured - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is Missing from file. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Received the initial CD and was captured - Due Diligence Vendor-04/17/2025<br>|  |  | 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 |
| 834757 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 06:16 | 2025-05-01 05:11 | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | Resolved-Revised 1003 and 1008 received - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-The calculation validating income is as follows: Total Deposits of $2,255,383.47 - Excluded Deposits $145,636.27= $2,112,701.68\* 100% business ownership of borrower with 50% expense ratio=$1,056,350.84/12 months= $88,029.24; however, the 1003 and 1008 reflect an income iao $87,655.41. Provide updated 1008 and 1003 with updated income and DTI - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Revised 1003 and 1008 received - Due Diligence Vendor-05/01/2025<br>|  |  | Revised 1008 and 1003.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 |
| 834757 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-22 23:31 | 2025-05-01 05:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2025 <br> Resolved-Lender Worksheet / Income Calculator received - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Worksheet / Income Calculator - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2025 <br>Resolved-Lender Worksheet / Income Calculator received - Due Diligence Vendor-04/30/2025<br>|  |  | xxxxxx Income Calc.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 |
| 834757 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-23 01:05 | 2025-04-30 06:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tacking Summary - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-Revised LE's, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-04/30/2025<br>|  |  | xxxxxx 2 5 CC.pdf<br> xxxxxx Tracking.pdf<br> xxxxxx 4 10 CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx 3 26 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 |
| 834757 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-29 14:42 | 2025-04-29 14:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approved<br> Exception Approval page 545<br> Exception Reason: OTHER- Repayment Plan for judgment has 2 payments verified instead of 3 - Due Diligence Vendor-04/29/2025 |  | Waived-Loan does not conform to program guidelines Exception Approved<br> Exception Approval page 545<br> Exception Reason: OTHER- Repayment Plan for judgment has 2 payments verified instead of 3 - Due Diligence Vendor-04/29/2025<br>| DTI - Loan File 8.13%, GL Requirement Maximum 50%.<br> Reserves - Loan File 18.55 months Reserves., GL Requirement Minimum 3 months<br> Residual Income- Loan File $80,530.86, GL Requirement $1500 | DTI - Loan File 8.13%, GL Requirement Maximum 50%.<br> Reserves - Loan File 18.55 months Reserves., GL Requirement Minimum 3 months<br> Residual Income- Loan File $80,530.86, GL Requirement $1500 |  | 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 |
| 834757 | xxxxxx | D B A | Closed | xxxxxx | 2025-04-30 06:49 | 2025-04-30 06:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 472 and the Final Closing disclosure on page 388 reflects escrows. Rate lock date was entered correctly – see page 501. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 546 and copy of the appraisal was given to the borrower – see page 415. The loan meets HPML guidelines. - Due Diligence Vendor-04/30/2025 <br> Resolved-The loan's (8.327%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 472 and the Final Closing disclosure on page 388 reflects escrows. Rate lock date was entered correctly – see page 501. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 546 and copy of the appraisal was given to the borrower – see page 415. The loan meets HPML guidelines. - Due Diligence Vendor-04/30/2025 |  | 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 472 and the Final Closing disclosure on page 388 reflects escrows. Rate lock date was entered correctly – see page 501. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 546 and copy of the appraisal was given to the borrower – see page 415. The loan meets HPML guidelines. - Due Diligence Vendor-04/30/2025 <br> Resolved-The loan's (8.327%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 472 and the Final Closing disclosure on page 388 reflects escrows. Rate lock date was entered correctly – see page 501. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 546 and copy of the appraisal was given to the borrower – see page 415. The loan meets HPML guidelines. - Due Diligence Vendor-04/30/2025 |  |  |  | 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 |
| 834759 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 03:19 | 2025-04-29 11:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Clearer copy of the Settlement Statement received - Due Diligence Vendor-04/29/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Final HUD-1 Document is Missing. HUD is illegible. Provide clear copy of of the HUD1 Settlement Statement - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Clearer copy of the Settlement Statement received - Due Diligence Vendor-04/29/2025 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/29/2025<br>|  |  | HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834827 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835113 | xxxxxx | C A | Closed | xxxxxx | 2025-05-10 23:41 | 2025-05-15 05:41 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD dated xxxxxx received - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Initial CD attached. - Seller-05/14/2025 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Provide executed Initial CD dated 3 business days before the consummation date of xxxxxx - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Initial CD attached. - Seller-05/14/2025<br>| Resolved-Initial CD dated xxxxxx received - Due Diligence Vendor-05/15/2025 |  |  | Disclosure 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 |
| 835113 | xxxxxx | C A | Closed | xxxxxx | 2025-05-10 23:41 | 2025-05-15 05:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 383 and the Final Closing disclosure on Pg#'s 201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s414, 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 473, and confirmation the appraisal was delivered to the borrower – see Pg#'s 19. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2025 <br> Resolved-The loan's (8.358%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/11/2025 |  | 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 383 and the Final Closing disclosure on Pg#'s 201, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s414, 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 473, and confirmation the appraisal was delivered to the borrower – see Pg#'s 19. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2025 <br>Resolved-The loan's (8.358%) APR equals or exceeds the Federal HPML threshold of (8.15%). 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 (6.65%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/11/2025<br>|  |  |  | 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 |
| 835506 | xxxxxx | D A | Closed | xxxxxx | 2025-04-23 03:22 | 2025-04-29 11:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD was uploaded and captured - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-the initial CD was uploaded and captured - Due Diligence Vendor-04/29/2025<br>|  |  | xxxxxx Tracking.pdf<br> xxxxxx 4 3 CC.pdf<br> xxxxxx CD.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 | Purchase | NA | N/A | N/A | xxxxxx |
| 836051 | xxxxxx | C B A | Closed | xxxxxx | 2025-05-06 10:17 | 2025-06-05 13:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Borrower has a mailing address in the United States; currently primary residence is in xxxxxx. Individual OFAC search in file and Clear. Assets are U.S. based and non OFAC country based (xxxxxx) - Due Diligence Vendor-06/18/2025 <br>Waived-Approved guideline exception provided with compensating factors and evidence the borrower is not on OFAC list. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-05/06/2025 <br>Open-Borrower is from xxxxxx, which is an OFAC sanctioned Country - Due Diligence Vendor-05/06/2025 | Document Uploaded. - 05/06/2025 <br>| Waived-Borrower has a mailing address in the United States; currently primary residence is in xxxxxx. Individual OFAC search in file and Clear. Assets are U.S. based and non OFAC country based (xxxxxx) - Due Diligence Vendor-06/18/2025 <br>Waived-Approved guideline exception provided with compensating factors and evidence the borrower is not on OFAC list. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-05/06/2025 <br>Open-Borrower is from xxxxxx, which is an OFAC sanctioned Country - Due Diligence Vendor-05/06/2025 | Months reserves 171 versus 6 minimum required. <br> Borrower contribution > 5% over minimum required.  | Months reserves 171 versus 6 minimum required. <br> Borrower contribution > 5% over minimum required.  | xxxxxx OFAC.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 836076 | xxxxxx | D A | Closed | xxxxxx | 2025-05-06 05:37 | 2025-05-06 05:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to find 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 307 and the Final Closing disclosure on page 210 reflects escrows. Rate lock date was entered correctly – see page 327. An interior and exterior appraisal was completed for this property – see page 34, the appraisal disclosure was provided to the borrower(s)- see page 369 and copy of the appraisal was given to the borrower – see page 26, 195. The loan meets HPML guidelines. - Due Diligence Vendor-05/06/2025 <br> Open-The loan's (8.319%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/06/2025 |  | 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 find 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 307 and the Final Closing disclosure on page 210 reflects escrows. Rate lock date was entered correctly – see page 327. An interior and exterior appraisal was completed for this property – see page 34, the appraisal disclosure was provided to the borrower(s)- see page 369 and copy of the appraisal was given to the borrower – see page 26, 195. The loan meets HPML guidelines. - Due Diligence Vendor-05/06/2025<br>|  |  |  | 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 |
| 836076 | xxxxxx | D A | Closed | xxxxxx | 2025-04-29 06:13 | 2025-05-06 05:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/06/2025<br>|  |  | xxxxxx 4 2 CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx Tracking.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 |
| 836076 | xxxxxx | D A | Closed | xxxxxx | 2025-05-05 11:20 | 2025-05-06 05:06 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Asset Worksheet received - Due Diligence Vendor-05/06/2025<br>|  |  | xxxxxx 1008.pdf<br> xxxxxx Asset.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 |
| 836076 | xxxxxx | D A | Closed | xxxxxx | 2025-04-29 04:33 | 2025-05-06 01:59 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document Provided. - Due Diligence Vendor-05/06/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-The 1008 document is missing from the loan file. Provide 1008 - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-1008 document Provided. - Due Diligence Vendor-05/06/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/06/2025<br>|  |  | xxxxxx 1008.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 |
| 836080 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836093 | xxxxxx | D A | Closed | xxxxxx | 2025-05-03 00:10 | 2025-05-09 09:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the initial CD's - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-05/03/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-received the initial CD's - Due Diligence Vendor-05/09/2025<br>|  |  | xxxxxx Tracking.pdf<br> xxxxxx 4 11 CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.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 |
| 836093 | xxxxxx | D A | Closed | xxxxxx | 2025-05-07 16:56 | 2025-05-09 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Master policy includes 100k contents. - Seller-05/08/2025 <br> Open-the master policy for the PUD is missing. The final Cd shows that the master policy was paid and on the COC is shows Master policy evidence required. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. Master policy includes 100k contents. - Seller-05/08/2025<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-05/09/2025<br>|  |  | xxxxxx Docs.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 |
| 836093 | xxxxxx | D A | Closed | xxxxxx | 2025-05-07 16:37 | 2025-05-09 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/09/2025<br>|  |  | xxxxxx lock.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 |
| 836154 | xxxxxx | D A | Closed | xxxxxx | 2025-05-14 18:13 | 2025-05-19 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The income calculator was provided. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-The income calculator was provided. - Due Diligence Vendor-05/19/2025<br>|  |  | Income Calculator.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 |
| 836154 | xxxxxx | D A | Closed | xxxxxx | 2025-05-19 15:58 | 2025-05-19 16:00 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The date was corrected in the system to the correct funding date. - Due Diligence Vendor-05/19/2025 <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) open - Due Diligence Vendor-05/19/2025 |  | Resolved-The date was corrected in the system to the correct funding date. - Due Diligence Vendor-05/19/2025<br>|  |  |  | 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 |
| 836154 | xxxxxx | D A | Closed | xxxxxx | 2025-05-10 14:08 | 2025-05-19 15:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD Missing in the file.<br> - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/19/2025<br>|  |  | 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 |
| 836954 | xxxxxx | D A | Closed | xxxxxx | 2025-05-16 12:35 | 2025-05-20 06:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC dated and timestamped xxxxxx at 7:22 am and Disclosure Tracking Summary reflects delivery and receipt of COC on xxxxxx - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Counter-Loan discount points of 0.219% iao $670.14. The CD provided is dated xxxxxx and is more that 3 business days from the COC dated xxxxxx. Provide correct Closing Disclosure and COC that support the increase of loan discount points - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br> Open- COC dated xxxxxx reflects loan discount points of 0.219% iao $670.14. Provide Revised CD dated on or about xxxxxx, - Due Diligence Vendor-05/16/2025 <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-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 | Resolved-Received COC dated and timestamped xxxxxx at 7:22 am and Disclosure Tracking Summary reflects delivery and receipt of COC on xxxxxx - Due Diligence Vendor-05/20/2025 |  |  | Disclosure Tracking.pdf<br> CD.pdf<br> xxxxxx CC 2.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 | Purchase | NA | N/A | N/A | xxxxxx |
| 836954 | xxxxxx | D A | Closed | xxxxxx | 2025-05-10 08:42 | 2025-05-16 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD, Revised CD, related COC and Disclosure Tracking Summaries received - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-Initial CD, Revised CD, related COC and Disclosure Tracking Summaries received - Due Diligence Vendor-05/16/2025<br>|  |  | Disclosure Tracking.pdf<br> xxxxxx CD.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 |
| 836954 | xxxxxx | D A | Closed | xxxxxx | 2025-05-16 12:35 | 2025-05-19 06:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 305 and the Final Closing disclosure on page 193 reflects escrows. Rate lock date was entered correctly – see page 329. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 375 and copy of the appraisal was given to the borrower – see page 339. The loan meets HPML guidelines. - Due Diligence Vendor-05/19/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 305 and the Final Closing disclosure on page 193 reflects escrows. Rate lock date was entered correctly – see page 329. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 375 and copy of the appraisal was given to the borrower – see page 339. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025 <br> Resolved-The loan's (10.758%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 365 and the Final Closing disclosure on page 178 reflects escrows. Rate lock date was entered correctly – see page 408. An interior and exterior appraisal was completed for this property – see page 34, the appraisal disclosure was provided to the borrower(s)- see page 594, 596 and copy of the appraisal was given to the borrower – see page 65. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025 |  | 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 305 and the Final Closing disclosure on page 193 reflects escrows. Rate lock date was entered correctly – see page 329. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 375 and copy of the appraisal was given to the borrower – see page 339. The loan meets HPML guidelines. - Due Diligence Vendor-05/19/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 305 and the Final Closing disclosure on page 193 reflects escrows. Rate lock date was entered correctly – see page 329. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 375 and copy of the appraisal was given to the borrower – see page 339. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025 <br> Resolved-The loan's (10.758%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 365 and the Final Closing disclosure on page 178 reflects escrows. Rate lock date was entered correctly – see page 408. An interior and exterior appraisal was completed for this property – see page 34, the appraisal disclosure was provided to the borrower(s)- see page 594, 596 and copy of the appraisal was given to the borrower – see page 65. The loan meets HPML guidelines. - Due Diligence Vendor-05/16/2025 |  |  |  | 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 |

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## Exhibit 99.23

**EXHIBIT 99.23**

**SELENE RATING AGENCY GRADES REPORT**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Investor Loan ID** | &nbsp;&nbsp;**Original Loan Amount** |
| &nbsp;&nbsp;832084 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;832094 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;832103 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;832109 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;832111 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A |
| &nbsp;&nbsp;832439 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;834050 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834696 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834704 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A |
| &nbsp;&nbsp;834712 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;834714 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834719 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834723 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834724 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;834727 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;C &nbsp;&nbsp;B |
| &nbsp;&nbsp;834728 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;C |
| &nbsp;&nbsp;834729 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;C |
| &nbsp;&nbsp;834732 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;C &nbsp;&nbsp;A |
| &nbsp;&nbsp;834737 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834738 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;834742 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B |
| &nbsp;&nbsp;834743 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;834745 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;834747 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834750 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;C |
| &nbsp;&nbsp;834753 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834754 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;C &nbsp;&nbsp;B |
| &nbsp;&nbsp;834755 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834757 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;834759 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;834827 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A |
| &nbsp;&nbsp;835113 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;C |
| &nbsp;&nbsp;835506 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |
| &nbsp;&nbsp;836051 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;836076 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;836080 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A |
| &nbsp;&nbsp;836093 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;836154 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;836954 | &nbsp;&nbsp;xxxxxx |  | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A &nbsp;&nbsp;D |

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## Exhibit 99.24

**EXHIBIT 99.24**

**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** |
| 832084 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | updated as per Initial 1003 |
| 832094 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Initial 1003 is missing updated from credit report date. |
| 832103 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Loan Purpose considered from 1008 document. |
| 832111 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Updated as per appraisal 2-4 Units family |
| 832439 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | 412.99 | 252.43 | Property insurance is including of hazard and flood |
| 832439 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc |  |
| 834704 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | MonthlyPropertyTaxAmount $xxxxxx + $xxxxxx $xxxxxx = $xxxxxx |
| 834704 | xxxxxx |  | xxxxxx | Monthly HOA $| propertyValuationPage | 39.92 | 43.92 | MonthlyHOADollar IS $39.92 confirmed from Appraisal report. |
| 834714 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Purpose of Loan is refinance/Cash-out verified from 1008 and Final CD |
| 834719 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per initial 1003. |
| 834719 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.94 | 47.30 | DTI variance is due to the increase in all other monthly payments on acct ending -5448 from $52 to $98 |
| 834723 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | 219.71 | 50.88 | Total Monthly Property Insurance Amount and Windstorm hazard insurance also added. |
| 834723 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | 12 Month Bank Statement | Income provided has 24 months bank statements hence Verified Doc Type considered 24 Months bank statements. |
| 834723 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | 1003 Initial missing hence Application Date considered from Credit report. |
| 834723 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Loan Purpose considered from Final CD document. |
| 834724 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | B1 is having 2 incomes in which 1 is self employed. |
| 834724 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date updated as per LO sign date from Initial 1003. |
| 834727 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Originator signed on xxxxxx |
| 834727 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 46.12 | 44.97 | Liabilities and qualifying income entered as per credit report |
| 834727 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Cashout refinance |
| 834727 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.44 | 45.28 | Liabilities and qualifying income entered as per credit report |
| 834728 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | Property has county and city taxes $ xxxxxx & $ xxxxxx and the monthly payments comes as $ xxxxxx |
| 834738 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Verified with 1003 page 727 |
| 834742 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | No Prepayment penalty |
| 834742 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Cashout Refi |
| 834742 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Non-Permanent Non-US Citizen | As per Final 1003 borrower is Permanent Non Resident. |
| 834743 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.04 | 34.19 | DTI variance is due to HOI monthly payment increased from $130.92 to $146.25. Initial HOI annual premium reflects $ xxxxxx; however, final invoice reflects HOI annual premium iao $ xxxxxx |
| 834750 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | NO prepayment penalty |
| 834750 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | No Cash out Borrower initiated as per 1003 selected |
| 834753 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | 301.91 | 76.49 | $76.08 + $225.42 = 301.5 Hazard Insurance. |
| 834753 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | ApplicationDate xxxxxx confirmed from Initial 1003. |
| 834754 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per Initial 1003 |
| 834755 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.25 | 16.33 | CITI # xxxxxx is authorized user hence excluded. |
| 834757 | xxxxxx |  | xxxxxx | Total Monthly Property Insurance Amount | propertyInsurancePage | 714.75 | 417.58 | Property insurance includes HOI and Flood monthly payments. |
| 834757 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 2.96 | 2.97 | HTI variance is due to revised 1003 and 1008 received with updated Income |
| 834757 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.09 | 8.13 | DTI variance is due to revised 1003 and 1008 received with updated Income |
| 835506 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date updated as per Initial 1003. |
| 836051 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date updated as per 1003 Initial LO sign on page #389. |
| 836076 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date updated as per page #479, LO Sign. |
| 836093 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.2 | 47.19 | Qualifying Total Debt Income Ratio variance is 0.01 variance with in the guideline. |
| 836154 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Loan Purpose considered from Lock document. |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**SELENE ATR QM DETAIL**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 832084 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2637.43 | Yes | Employed |  | No |  | No |  |
| 832094 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11924.61 | Yes | Employed |  | No |  | No |  |
| 832103 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6587.18 | Yes | Employed |  | No |  | No |  |
| 832109 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6984.93 | Yes | Employed |  | No |  | No |  |
| 832111 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6685.41 | Yes | Employed |  | No |  | No |  |
| 832439 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20000.29 | Yes | Employed |  | No |  | No |  |
| 834050 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25909.62 | Yes | Employed |  | No |  | No |  |
| 834696 | 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 | N/A |  |  | No |  | Yes | Present |
| 834704 | 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 | N/A |  |  | No |  | Yes | Present |
| 834712 | 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 | N/A |  |  | No |  | Yes | Present |
| 834714 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4429.65 | Yes | Employed |  | No |  | No |  |
| 834719 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3349.84 | Yes | Employed |  | No |  | No |  |
| 834723 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4285.22 | Yes | Employed |  | No |  | No |  |
| 834724 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5973.72 | Yes | Employed | Employed | No | No | No |  |
| 834727 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4173.36 | Yes | Employed |  | No |  | No |  |
| 834728 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4409.71 | Yes | Employed |  | No |  | No |  |
| 834729 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5013.52 | Yes | Employed |  | No |  | No |  |
| 834732 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4781.43 | Yes | Employed |  | No |  | No |  |
| 834737 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3421.8 | Yes | Employed |  | No |  | No |  |
| 834738 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6008.37 | Yes | Employed |  | No |  | No |  |
| 834742 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11703.1 | N/A | Employed |  | No |  | No |  |
| 834743 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4862.18 | Yes | Employed |  | No |  | No |  |
| 834745 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9266.63 | Yes | Employed |  | No |  | No |  |
| 834747 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18857.18 | Yes | Employed |  | No |  | No |  |
| 834750 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13813.05 | Yes | Employed |  | No |  | No |  |
| 834753 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23405.69 | Yes | Employed |  | No |  | No |  |
| 834754 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10316.61 | Yes | Employed |  | No |  | No |  |
| 834755 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34678.99 | Yes | Employed |  | No |  | No |  |
| 834757 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80904.69 | Yes | Employed |  | No |  | No |  |
| 834759 | 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 | N/A |  |  | No | No | Yes | Present |
| 834827 | 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 | N/A |  |  | No |  | Yes | Present |
| 835113 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31238.5 | Yes | Employed |  | No |  | No |  |
| 835506 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12090.24 | Yes | Employed |  | No |  | No |  |
| 836051 | 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 | N/A |  |  | No |  | Yes | Present |
| 836076 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2940.67 | Yes | Employed |  | No |  | No |  |
| 836080 | 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 | N/A |  |  | No |  | Yes | Present |
| 836093 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9694.62 | Yes | Employed |  | No |  | No |  |
| 836154 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5610.46 | Yes | Employed |  | No |  | No |  |
| 836954 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17028.56 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**SELENE VALUATIONS 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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 832084 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832094 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 67.08 | 67.08 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-28-2025 |
| 832103 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2025 |
| 832109 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-24-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-24-2025 |
| 832111 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-22-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 832439 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 02-20-2025 |
| 834050 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 04-03-2025 |
| 834696 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 74.07 | 74.07 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-24-2025 |
| 834704 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2025 |
| 834712 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-24-2025 |
| 834714 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 68.01 | 68.01 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-17-2025 |
| 834719 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2025 |
| 834723 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-17-2025 |
| 834724 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 |
| 834727 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-03-2024 | 1004 URAR | xxxxxx | 73.08 | 73.08 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-05-2024 |
| 834728 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-01-2025 |
| 834729 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-26-2025 |
| 834732 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-03-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 03-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-05-2025 |
| 834737 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2025 |
| 834738 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2025 | 1004 URAR | xxxxxx | 79.34 | 79.34 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2025 |
| 834742 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | 55.17 | 55.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2025 |
| 834743 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2025 |
| 834745 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |
| 834747 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 02-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-14-2025 |
| 834750 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 73.86 | 73.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2025 |
| 834753 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 04-03-2025 |
| 834754 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-17-2025 |
| 834755 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-18-2025 |
| 834757 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-27-2025 | 1004 URAR | xxxxxx | 61.31 | 61.31 | xxxxxx |  |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2025 |
| 834759 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2025 |
| 834827 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-20-2025 |
| 835113 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-21-2025 |
| 835506 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-01-2025 |
| 836051 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2025 |
| 836076 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx |  |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 836080 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-02-2025 |
| 836093 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-09-2025 |
| 836154 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | 41.04 | 41.04 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 |
| 836954 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**EVOLVE MORTGAGE SERVICES, LLC ("EVOLVE") EXECUTIVE SUMMARY**

![](tm2518320d1_ex99-27iimg004.jpg)

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

Executive Summary

Verus 2025-6

Dated: June 24 , 2025

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br>**P: 888.892.1843** **\| evolvemortgageservices.com** <br>

![](tm2518320d1_ex99-27iimg002.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 29 loans, consisting of 16 Residential Loans and 13 Business Purpose loans, totaling an aggregate original principal balance of approximately $15,221,205.00 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 Moody's Investors Service, Inc and S&P Global Ratings, 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 |

---

---

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|:---|:---|:---|
| ![](tm2518320d1_ex99-27iimg003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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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).

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| ![](tm2518320d1_ex99-27iimg003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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**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.

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| ![](tm2518320d1_ex99-27iimg003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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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.

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**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.

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**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**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;55.17% | &nbsp;&nbsp;16 | &nbsp;&nbsp;55.17% |
| &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;13 | &nbsp;&nbsp;44.83% | &nbsp;&nbsp;13 | &nbsp;&nbsp;44.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;65.52% | &nbsp;&nbsp;19 | &nbsp;&nbsp;65.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;34.48% | &nbsp;&nbsp;10 | &nbsp;&nbsp;34.48% |
| &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;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;96.55% | &nbsp;&nbsp;28 | &nbsp;&nbsp;96.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.45% | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.45% |
| &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;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;65.52% | &nbsp;&nbsp;19 | &nbsp;&nbsp;65.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;34.48% | &nbsp;&nbsp;10 | &nbsp;&nbsp;34.48% |
| &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;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &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;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;29 | &nbsp;&nbsp;48.28% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;29 | &nbsp;&nbsp;37.93% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;29 | &nbsp;&nbsp;37.93% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;29 | &nbsp;&nbsp;37.93% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;29 | &nbsp;&nbsp;27.59% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;9 | &nbsp;&nbsp;29 | &nbsp;&nbsp;31.03% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;11 | &nbsp;&nbsp;29 | &nbsp;&nbsp;37.93% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;3 | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% |

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| ![](tm2518320d1_ex99-27iimg003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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**APPENDIX A**

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

 ****

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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

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

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

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

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

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

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

**(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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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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**(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 99.28

**EXHIBIT 99.28**

**EVOLVE EXCEPTION DETAIL**

![](tm2518320d1_ex99-27iimg001.jpg)

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** |
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Loan Exception ID** | &nbsp;&nbsp;**Exception ID** | &nbsp;&nbsp;**Exception Date** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Exception Subcategory** | &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Detail** | &nbsp;&nbsp;**Exception Information** | &nbsp;&nbsp;**Exception Remediation** | &nbsp;&nbsp;**Compensating Factors** | &nbsp;&nbsp;**Follow-up Comments** | &nbsp;&nbsp;**Cleared Date** | &nbsp;&nbsp;**Cured Date** | &nbsp;&nbsp;**Waived Date** | &nbsp;&nbsp;**Exception Level Rating** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Compliance Initial Loan Grade** | &nbsp;&nbsp;**Compliance Final Loan Grade** | &nbsp;&nbsp;**Originator QM ATR Status** | &nbsp;&nbsp;**TPR QM ATR Status** | &nbsp;&nbsp;**Is Curable** |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;828596 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143421 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;03/25/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;The subject property has below the minimum square footage of 600 square feet, subject is at xxxxxx square feet. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; Borrowers have 12 years in their primary residence; the borrower is 40 years in line of work; credit scores are 816 and 795. No lates on mortgage payments and 30 year credit depth. |  |  |  | &nbsp;&nbsp;03/25/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143429 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;03/13/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;FICO of 642 does not meet minimum FICO of 680 for 12 month bank statement loan |  | &nbsp;&nbsp;Exception waived by client with compensating factors; 3 yrs residence time, 10 year job stability, 22 years satisfactory credit depth. Departing residence and Investment property owned Free and Clear. |  |  |  | &nbsp;&nbsp;03/13/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143430 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;03/13/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Assets |  | &nbsp;&nbsp;UW Assets - UW - Gift Receipt |  | &nbsp;&nbsp;Final Closing Disclosure to evidence receipt of gift funds of $72,000 | &nbsp;&nbsp;information provided and accepted |  |  | &nbsp;&nbsp;03/13/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143431 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;03/13/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Self-Employment status required |  | &nbsp;&nbsp;Satisfactory evidence of CPA license | &nbsp;&nbsp;information provided and accepted |  | &nbsp;&nbsp;Reviewer 03/13/2025 01:44 PM; The document received for the CPA did not include the CPA license as requested <br>Client 03/13/2025 05:00 PM; xxxxxx, per page 62 of xxxxxx guidelines: Letter from CPA or state-authorized tax preparer may be used to verify self-employment or taxes being filed. Letter must validate the borrower's business name and type of business. The borrower's business must show on the credit bureau. CPA authentication must be verified, verify business and phone number with a 411 Directory Assistance verification. xxxxxx.<br>Reviewer 03/13/2025 06:39 PM; Condition has been reviewed. xxxxxx | &nbsp;&nbsp;03/13/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143432 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;03/13/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Satisfactory evidence of Taxes xxxxxx and Insurance $168.62 for investment property located at xxxxxx | &nbsp;&nbsp;received taxes and insurance |  |  | &nbsp;&nbsp;03/13/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143433 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;03/13/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Satisfactory evidence of Taxes xxxxxx and Insurance $165.41 for departing residence located at xxxxxx. | &nbsp;&nbsp;received taxes and insurance |  |  | &nbsp;&nbsp;03/13/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831043 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7129819 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;02/07/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Other |  | &nbsp;&nbsp;Need copy of current lease, the one provided ended xxxxxx. | &nbsp;&nbsp;xxxxxx law does provide that if neither party gives notice – at the end of the lease it will just continue on the same terms as Tenant at will – which is how the appraiser describes it. They are not obligated to sign a new lease unless they are changing the terms. |  | &nbsp;&nbsp;Client 02/10/2025 03:45 PM; xxxxxx law does provide that if neither party gives notice – at the end of the lease it will just continue on the same terms as Tenant at will – which is how the appraiser describes it. They are not obligated to sign a new lease unless they are changing the terms. <br>Reviewer 02/10/2025 04:16 PM; Condition has been reviewed. xxxxxx | &nbsp;&nbsp;02/10/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;833271 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143435 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;03/19/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Minimum FICO score for xxxxxx is 660. FICO score on this loan is 621. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; 21 years residence time, Low LTV 25.84%, 35 years credit depth, 20 years job time. |  |  |  | &nbsp;&nbsp;03/19/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143699 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/01/2025 | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - CD- Missing |  | &nbsp;&nbsp;Missing initial CD only the Final CD is provided. | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;04/02/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143700 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/01/2025 | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | &nbsp;&nbsp;Information provided |  |  | &nbsp;&nbsp;04/02/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143701 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/06/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Missing W2s |  | &nbsp;&nbsp;Provide co-borrower 2024 W2;Co-borrower is an xxxxxx for xxxxxx paid monthly, unable to determine if borrower is paid 12 months per year. | &nbsp;&nbsp;Received income documentation for CB $3,750 per month |  |  | &nbsp;&nbsp;04/10/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143702 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/06/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Documents Expired |  | &nbsp;&nbsp;SEQ in file dated xxxxxx expired, provide updated SEQ | &nbsp;&nbsp;SEQ signed by borrower xxxxxx |  |  | &nbsp;&nbsp;04/15/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143703 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/06/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Calculation Discrepancy rental income |  | &nbsp;&nbsp;Missing Tax information on borrower investment property xxxxxx | &nbsp;&nbsp;Public Tax history provided. |  | &nbsp;&nbsp;Reviewer 04/07/2025 07:03 PM; The document received did not reflect the street address of xxxxxx | &nbsp;&nbsp;04/08/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835389 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7137811 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/06/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Other |  | &nbsp;&nbsp;Provide unexpired and signed SEQ document | &nbsp;&nbsp;SEQ is signed xxxxxx |  | &nbsp;&nbsp;Reviewer 04/07/2025 07:01 PM; The document received is dated xxxxxx and is more than 90 days old from the note date of xxxxxx | &nbsp;&nbsp;04/14/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835392 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143451 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/07/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Guideline- Max DTI for FTHB IS 45% Deviation Request- Allow for DTI OF 49.59% |  | &nbsp;&nbsp;Exception waived by client with compensating factors; Stable employment with 7 years self-employed and 9 years in the field, 44.75 months reserves where only 3 months are required, excellent credit with 0\*30 payment history on consumer debt since 2012, residual income of $1886.06 and 784 FICO SCORE where the minimum is 680. |  |  |  | &nbsp;&nbsp;04/07/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143437 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/20/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Satisfactory 12 mth Rental |  | &nbsp;&nbsp;Guidelines require housing history with a private landlord be documented via 12 months rental payments and a copy of the lease agreement. Missing one month verification for the month of August. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. | &nbsp;&nbsp;Reviewer 04/20/2025 12:02 PM; Compensating Factors: DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. |  |  | &nbsp;&nbsp;04/20/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;C &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143438 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/20/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit report is expired |  | &nbsp;&nbsp;The credit report dated 11/20/2024 had expired as of the loan closing. Per guidelines, credit reports must be dated within 120 days of the note date. The report expired on xxxxxx, the note date was xxxxxx. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. | &nbsp;&nbsp;Reviewer 04/20/2025 12:02 PM; Compensating Factors: DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. |  |  | &nbsp;&nbsp;04/20/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;C &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143439 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/20/2025 | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Other |  | &nbsp;&nbsp;Guidelines require two appraisals for loan amounts exceeding $2,000,000, with at least one obtained through a xxxxxx-approved AMC. Both appraisals provided were transferred and not ordered through an approved AMC. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. | &nbsp;&nbsp;Reviewer 04/20/2025 12:02 PM; Compensating Factors: DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. |  |  | &nbsp;&nbsp;04/20/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;C &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143440 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/20/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - LTV/CLTV does not meet parameters |  | &nbsp;&nbsp;The LTV of 75% exceeds the guideline maximum of 70% for a DSCR loan with a loan amount greater than $2,500,000 and a credit score over 700. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. | &nbsp;&nbsp;Reviewer 04/20/2025 12:02 PM; Compensating Factors: DSCR Score of 1.32 is > 1.15. Credit reflects no late payments within the last 24 months and three (3) + tradelines reporting greater than 5 years. Experienced Investor. 18 mths of reserves. |  |  | &nbsp;&nbsp;04/20/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;C &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143441 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/21/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Assets |  | &nbsp;&nbsp;UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | &nbsp;&nbsp;Verification of assets (statements/VOD) incomplete/missing COMMENT For xxxxxx - Business - xxxxxx we received less than one month of account statements. This program requires one month of account statements covering a 30 day period. The account was opened on xxxxxx, with a statement provided covering 2/24 to 2/28, followed by a transaction printout through 3/14/2025. Please provide a full monthly statement to meet the requirement. | &nbsp;&nbsp;The xxxxxx acct ending in #xxxxxx was opened specific to this transaction and creation of the LLC the loan was closed and vested in as well. The loan was CTC xxxxxx: therefore, lender would not have access to a full 30-day statement. |  | &nbsp;&nbsp;Client 04/24/2025 12:14 PM; see attached email from Credit Risk regarding the assets<br>Reviewer 04/24/2025 03:19 PM; Condition has been reviewed. xxxxxx | &nbsp;&nbsp;04/24/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;C &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143442 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/21/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;The fraud report is missing from the loan file. | &nbsp;&nbsp;xxxxxx Report provided. |  |  | &nbsp;&nbsp;04/25/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;C &nbsp;&nbsp;B |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7142968 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/20/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;xxxxxx - Missing a copy of UCC fixture filing/UCC financing statement to allow xxxxxx first lien position. | &nbsp;&nbsp;Received title policy with no UCC |  |  | &nbsp;&nbsp;04/24/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7142969 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/20/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW - LTV/CLTV does not meet parameters |  | &nbsp;&nbsp;LTV of 70% does not meet the guideline maximum of 65% for purchase loan qualified with a DSCR Score of 0.75 under the xxxxxx DSCR 1-4 Units program. | &nbsp;&nbsp;DSCR asset depletion calc shows the monthly gross rent is $3748.02=1.0%. |  | &nbsp;&nbsp;Client 04/23/2025 12:50 PM; DSCR score is 1.00<br>Reviewer 04/23/2025 01:51 PM; Market Rents $2795.00/PITIA $3748.00=.75. xxxxxx<br>Client 04/23/2025 01:54 PM; PG 4 of DSCR asset depletion calc shows the monthly gross rent is $3748.02. <br>Reviewer 04/23/2025 03:07 PM; Condition has been reviewed. xxxxxx | &nbsp;&nbsp;04/23/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7142970 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/22/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income Other |  | &nbsp;&nbsp;Provide asset depletion worksheet utilized for DSCR calculation. | &nbsp;&nbsp;Asset Utilization received |  |  | &nbsp;&nbsp;04/23/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143448 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/19/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Satisfactory 12 mth Rental |  | &nbsp;&nbsp;Leases for each address to cover the most recent 12-month period, along with verification of timely payments made (either canceled checks front and back or bank statements showing account ownership and payments debited by landlord) was not provided to document the borrower's primary housing history as required when renting from a private party. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; DSCR of 1.42 is greater than 1.15. No credit lates reflected on credit within the last 24+ months. > 3 tradelines rated over 5 years on credit. |  |  |  | &nbsp;&nbsp;04/19/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143449 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/19/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;The subject property maturity date of xxxxxx was prior to the Note date of xxxxxx. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; DSCR of 1.42 is greater than 1.15. No credit lates reflected on credit within the last 24+ months. > 3 tradelines rated over 5 years on credit. | &nbsp;&nbsp;Reviewer 04/19/2025 04:53 PM; Lender agreed to extend the maturity date to xxxxxx. |  |  | &nbsp;&nbsp;04/19/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7142974 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/20/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Provide an updated fraud report that includes a comparison of all participant names against industry watch and exclusionary lists. The previously provided report was missing the following participants xxxxxx (Appraiser). | &nbsp;&nbsp;Fraud Report received appraiser name added. |  |  | &nbsp;&nbsp;04/22/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7142975 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/18/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Income calculation worksheet self employed |  | &nbsp;&nbsp;12 month Bank Statement Income Worksheet is missing from this file | &nbsp;&nbsp;Received income calculation worksheet |  |  | &nbsp;&nbsp;04/22/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836130 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143452 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/18/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Guideline-Housing delinquency 0x30x12 Deviation Request-xxxxxx Sr.Management has approved a no rent rating as the borrower pays his brother cash. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; 706 FICO where 660 is the minimum required, 6-year credit depth with no late payments, residual income of $6289.20 and 31.57 months reserves where 6 months are required |  |  |  | &nbsp;&nbsp;04/18/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836132 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7139192 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/15/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | &nbsp;&nbsp;Missing VVOE within 10 days of the Note dated xxxxxx. The TWN in the file was dated xxxxxx. | &nbsp;&nbsp; VVOE provided dated xxxxxx |  |  | &nbsp;&nbsp;04/16/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836133 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7140765 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/07/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Application |  | &nbsp;&nbsp;Application - Compliance \ Application - Validate Loan Originator ID and Loan Originator Co ID on http://www.xxxxxxconsumeraccess.org/ to verify ID is active and matches LO and CO on application. If not found on website, suspend for correct ID #. |  | &nbsp;&nbsp;Per xxxxxx, the LO xxxxxx) does not appear to be authorized in xxxxxx to conduct business, and the lender (xxxxxx) does not appear to be authorized to do business in xxxxxx either. Please provide proof both LO and lender are authorized in xxxxxx at the time of application and closing. | &nbsp;&nbsp;Information provided |  | &nbsp;&nbsp;Client 04/29/2025 10:34 AM; The LO had temporary authority and the company was licensed. xxxxxx. <br>Reviewer 04/29/2025 11:15 AM; <br>Reviewer 04/29/2025 03:06 PM; \*\*\*\*Update\*\*\*Per xxxxxx, the LO (xxxxxx) does not appear to be authorized in xxxxxx to conduct business- please provide evidence LO was authorized to conduct business in xxxxxx<br>Reviewer 04/29/2025 03:07 PM; xxxxxx <br> Please provide evidence that LO was authorized, comments have also been updated on the deficiency. <br> xxxxxx<br>Reviewer 04/30/2025 11:31 AM; Received evidence of the Temporary Authority. It was valid for the origination date of xxxxxx, however, the loan closed on xxxxxx and the temporary authority ended on xxxxxx. LO was not authorized to conduct business in xxxxxx after xxxxxx.<br>Client 05/01/2025 02:52 PM; Legal team is requesting the Grade/Rating for this finding. Please confirm for us. xxxxxx. <br>Reviewer 05/01/2025 03:54 PM; <br>Reviewer 05/02/2025 03:22 PM; Escalation has been assigned for Further Review<br>Reviewer 05/05/2025 11:13 AM; xxxxxx <br> This is currently grading a "C" as is. <br>xxxxxx<br>Client 05/09/2025 11:15 AM; LO information will need to be updated across closing doc. Please confirm which docs will need to be updated to clear this finding. xxxxxx.<br>Reviewer 05/09/2025 12:21 PM; <br>Reviewer 05/09/2025 02:41 PM; xxxxxx <br> Note, Deed, CD, and 1003 will all need to be corrected with correct xxxxxx numbers. <br>xxxxxx | &nbsp;&nbsp;05/14/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836135 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143005 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/09/2025 | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - TRID Other |  | &nbsp;&nbsp;Missing Settlement Provider List | &nbsp;&nbsp;documentation provided |  | &nbsp;&nbsp;Reviewer 04/15/2025 12:29 PM; Application date is xxxxxx. Initial documents should have been disclosed on xxxxxx or sooner. Saturdays are counted in the 3 days. xxxxxx is the 4th day | &nbsp;&nbsp;04/21/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836135 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143006 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/09/2025 | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | &nbsp;&nbsp;documentation provided |  |  | &nbsp;&nbsp;04/21/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836135 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143007 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/09/2025 | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |  | &nbsp;&nbsp;Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | &nbsp;&nbsp;Need proof borrower received LE within 3 days of Application. | &nbsp;&nbsp;documentation provided |  | &nbsp;&nbsp;Reviewer 04/15/2025 12:29 PM; Application date is xxxxxx. Initial documents should have been disclosed on xxxxxx or sooner. Saturdays are counted in the 3 days. xxxxxx is the 4th day<br>Client 04/18/2025 05:08 PM; Saturdays are NOT counted in the three days because we are not open on Saturdays. xxxxxx. <br>Reviewer 04/19/2025 04:23 AM; <br>Reviewer 04/21/2025 09:15 AM; xxxxxx, <br> Defs are cleared. xxxxxx | &nbsp;&nbsp;04/21/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836135 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143008 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/18/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | &nbsp;&nbsp;The xxxxxx VVOE was not included with the loan file. The file contained a WVOE dated xxxxxx Note dated xxxxxx. | &nbsp;&nbsp;received 10 day VVOE |  |  | &nbsp;&nbsp;04/20/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836136 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143454 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/16/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Income/Employment |  | &nbsp;&nbsp;UW Income/Employment - UW - 2yr Employment history not verified |  | &nbsp;&nbsp;The borrowers have less than 2 years of self-employment which is required for the bank statement program. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; Qualifying FICO of 774 where the minimum required was 660, reserves of 67.45 where only 6 months were required, DTI of 37.21% where the maximum is 50% and monthly residual income of $5,478.64. |  |  |  | &nbsp;&nbsp;04/16/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836136 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143455 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/16/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit - Insufficient |  | &nbsp;&nbsp;The borrower has no active tradelines which is less than the 2 active tradelines required. |  | &nbsp;&nbsp;Exception waived by client with compensating factors; Qualifying FICO of 774 where the minimum required was 660, reserves of 67.45 where only 6 months were required, DTI of 37.21% where the maximum is 50% and monthly residual income of $5,478.64. |  |  |  | &nbsp;&nbsp;04/16/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143456 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/15/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;One active tradeline does not meet minimum tradeline requirement of 4 tradelines, with 2 active |  | &nbsp;&nbsp;Exception waived by client with compensating factors; Departing residence is free and clear, 0\*30 prior mortgage history, 58.76 months reserves where only 6 months are required, 26 months at current job with 39 months in the field. |  |  |  | &nbsp;&nbsp;04/15/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143457 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/15/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Qualifications |  | &nbsp;&nbsp;UW Qualifications - UW – Exception needed |  | &nbsp;&nbsp;Payment shock 3 exceeded with 4.21x |  | &nbsp;&nbsp;Exception waived by client with compensating factors; Departing residence is free and clear, 0\*30 prior mortgage history, 58.76 months reserves where only 6 months are required, 26 months at current job with 39 months in the field. |  |  |  | &nbsp;&nbsp;04/15/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143458 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/15/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Collateral |  | &nbsp;&nbsp;UW Collateral - UW - Appraisal Correction/Clarification |  | &nbsp;&nbsp;Subject is Site xxxxxx, to be completed on 1073 report | &nbsp;&nbsp;Per the Loan Approval, appraisal approved by Management |  | &nbsp;&nbsp;Client 04/15/2025 05:49 PM; Senior management approved using the appraisal per loan approval. xxxxxx!<br>Reviewer 04/16/2025 04:50 AM; xxxxxx, Loan Approval dated xxxxxx does not mention Senior management approving the use of the appraisal. xxxxxx<br>Client 04/16/2025 12:49 PM; This is located in the Loan details section of the document. xxxxxx.<br>Reviewer 04/16/2025 01:26 PM; Condition has been reviewed. xxxxxx | &nbsp;&nbsp;04/16/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143459 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/15/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Taxes and Insurance documentation |  | &nbsp;&nbsp;Satisfactory documentation for the supporting expenses of departing residence to support rental income $1983 used in repayment (xxxxxx income provided, missing expenses) | &nbsp;&nbsp;Per REO a 25% expense factor was used for departing Residence: xxxxxx. |  |  | &nbsp;&nbsp;04/16/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143460 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/15/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;REO schedule supporting $1983 monthly income | &nbsp;&nbsp;Received REO schedule |  |  | &nbsp;&nbsp;04/15/2025 |  | &nbsp;&nbsp; &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836139 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7143461 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;04/17/2025 | &nbsp;&nbsp;Credit | &nbsp;&nbsp;UW Credit |  | &nbsp;&nbsp;UW Credit - UW - Credit Other |  | &nbsp;&nbsp;Payment shock is over max 3.0x |  | &nbsp;&nbsp;Exception waived by client with compensating factors; LTV of 63.6% where 90% is the maximum allowed, FICO of 726 where 660 was the minimum required; DTI ratio of 32.283% where 50% was the maximum allowed and residual income of $8,207.36 |  |  |  | &nbsp;&nbsp;04/17/2025 &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A |  | &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;1 |

---

## Exhibit 99.29

**EXHIBIT 99.29**

**EVOLVE RATING AGENCY GRADES**

![](tm2518320d1_ex99-27iimg001.jpg)

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** | **Run Date - 06/16/2025 2:55:18 PM** |
| &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**LOAN INFORMATION** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**INITIAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** | &nbsp;&nbsp;**FINAL COMPLIANCE LOAN GRADES** |
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Original Loan Amount** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;816099 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;828596 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831043 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;833271 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835389 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835392 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835396 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835523 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;C &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835528 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836130 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836132 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836133 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836135 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836136 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836139 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836140 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |

---

## Exhibit 99.30

**EXHIBIT 99.30**

**EVOLVE DATA COMPARE**

![](tm2518320d1_ex99-27iimg001.jpg)

**Data Compare**

**Run Date - 06/16/2025 2:55:18 PM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Bid Tape Field Value** | &nbsp;&nbsp;**Field Value** | &nbsp;&nbsp;**Comment** |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;816099 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified with the approval. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Bkst |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831043 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified with the loan approval. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified with approval. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0.626 | &nbsp;&nbsp;0.790 | &nbsp;&nbsp;Bid Tape is .62.6 and Audited was verified using market rent of $3200/PITIA of 4,051.34=.79 DSCR |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;360 | &nbsp;&nbsp;240 | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;PITI | &nbsp;&nbsp;1971.34 | &nbsp;&nbsp;3023.34 | &nbsp;&nbsp;Bid Tape is Principal and Interest and Audited is Principal, Interest, Tax and Insurance. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;cldd matches original data |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;Borrower listed on final 1003. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;833271 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.46266 | &nbsp;&nbsp;0.45306 | &nbsp;&nbsp;Debt $14,718.56/income $32486.65 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Verified with loan approval |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835389 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835389 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Original data is correct per note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835389 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835392 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Verified with the loan approval. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835392 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835396 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Debt Service Coverage | &nbsp;&nbsp;Verified with Loan Approval |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835523 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835523 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835523 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835523 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 30 YR FIXED 5 YR PPP | &nbsp;&nbsp;xxxxxx30Y5YPP | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;PITI | &nbsp;&nbsp;3748.01 | &nbsp;&nbsp;3255.00 | &nbsp;&nbsp;Audited Data does not include HOA Dues of $xxxxxx/mo. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx30 YR FIXED 3 YEAR PPP xxxxxx | &nbsp;&nbsp;xxxxxx30YFIO3PPPSD | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 30 YR FIXED 5 YR PPP | &nbsp;&nbsp;xxxxxx30Y5YPP | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 30 YR FIXED 5 YR PPP | &nbsp;&nbsp;xxxxxx30Y5YPP | &nbsp;&nbsp;same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835528 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835528 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835528 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835528 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 30 YR FIXED NO PPP | &nbsp;&nbsp;xxxxxx30Y | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835528 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 30 YR FIXED 3 YR PPP | &nbsp;&nbsp;xxxxxx30YF3YPP | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;767 | &nbsp;&nbsp;754 | &nbsp;&nbsp;Verified with Credit Report |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;360 | &nbsp;&nbsp;240 | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 30 YR FIXED IO 5 YR PPP xxxxxx | &nbsp;&nbsp;xxxxxx30YFIO5YPPSD | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 YR. CMT | &nbsp;&nbsp;30DayAverageSOFR | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 5/6 SOFR ARM 3 YR PPP | &nbsp;&nbsp;xxxxxx56A3PP | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified with Appraisal. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;PITI | &nbsp;&nbsp;5512.98 | &nbsp;&nbsp;5302.98 | &nbsp;&nbsp;Verified with Note, Tax Cert, and HOI. Original Data reflects higher taxes. Audit used taxes from cert |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Prepayment Penalty Type |  | &nbsp;&nbsp;Hard | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Product Code | &nbsp;&nbsp;xxxxxx 30 YR FIXED 5 YEAR PPP xxxxxx | &nbsp;&nbsp;xxxxxx30Y5YPPSD | &nbsp;&nbsp;Same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative Doc | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Per LOan Approval & Program ID this is a 12 month Bank STatement Loan Transaction which is an Alternate Document Loan Transaction |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Note Date |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Verified w/ note |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;QM Status |  | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;Organizational Exemption |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;6.10200 | &nbsp;&nbsp;0.06102 | &nbsp;&nbsp;Both are one in the same |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836130 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Verified with the loan approval. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836132 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;PITI | &nbsp;&nbsp;2639.25 | &nbsp;&nbsp;3799.04 | &nbsp;&nbsp;PITI $3799.04 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836133 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Verified with loan approval |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836135 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Bank Statement |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836136 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Bank Statement | &nbsp;&nbsp;Verified with final approval. |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Alternative | &nbsp;&nbsp;Asset Depletion | &nbsp;&nbsp;Asset depletion |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;N | &nbsp;&nbsp;Y | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;0.43431 | &nbsp;&nbsp;0.54943 | &nbsp;&nbsp;meets 55% DTI I/O pmt |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;360 | &nbsp;&nbsp;240 | &nbsp;&nbsp;verified |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836140 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;verified |

---

## Exhibit 99.31

**EXHIBIT 99.31**

**EVOLVE QM ATR DATA**

![](tm2518320d1_ex99-27iimg001.jpg)

**QM ATR Data**

**Run Date - 06/16/2025 2:55:18 PM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Evolve Loan ID** | &nbsp;&nbsp;**Customer Loan ID** | &nbsp;&nbsp;**Seller Loan ID** | &nbsp;&nbsp;**Loan Level ATR/QM Status** | &nbsp;&nbsp;**Verified Safe Harbor** | &nbsp;&nbsp;**Application Date Prior to 1/10/2014** | &nbsp;&nbsp;**Lender Application Date** | &nbsp;&nbsp;**GSE Eligible** | &nbsp;&nbsp;**CDFI Indicator** | &nbsp;&nbsp;**ATR/QM Total Points and Fees** | &nbsp;&nbsp;**Rate Lock Date** | &nbsp;&nbsp;**APR** | &nbsp;&nbsp;**Borrower Employment Indicator** | &nbsp;&nbsp;**Co Borrower Employment Indicator** | &nbsp;&nbsp;**Borrower Foreign National Indicator** | &nbsp;&nbsp;**Borrower Residency Source** | &nbsp;&nbsp;**Co Borrower Foreign National Indicator** | &nbsp;&nbsp;**Co Borrower Residency Source** | &nbsp;&nbsp;**Residual Income to Qualify?** | &nbsp;&nbsp;**ATR/QM Residual Income** |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;816099 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;Not Required | &nbsp;&nbsp;Foreign National |  | &nbsp;&nbsp;Foreign National |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;828596 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;8.541% | &nbsp;&nbsp;Employed | &nbsp;&nbsp;Retired | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$10285.70 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;830747 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;10.184% | &nbsp;&nbsp;Self-Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$8502.56 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831043 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Self-Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;831390 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Employed | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;833271 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;9.27% | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;Retired | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$17768.09 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835388 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;8.345% | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;Employed | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$14276.87 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835389 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7.905% | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;Unemployed | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$13133.75 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835392 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;8.441% | &nbsp;&nbsp;Self-Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$1888.06 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835396 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required |  | &nbsp;&nbsp;Foreign National |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835523 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Self-Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835524 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835525 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required | &nbsp;&nbsp;Not Required | &nbsp;&nbsp;Foreign National |  | &nbsp;&nbsp;Foreign National |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835526 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required |  | &nbsp;&nbsp;Permanent Resident Alien |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835527 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required |  | &nbsp;&nbsp;Non Permanent Resident Alien | &nbsp;&nbsp;Other |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835528 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835532 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required | &nbsp;&nbsp;Not Required | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835534 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required | &nbsp;&nbsp;Not Required | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835543 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835547 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  |  | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Required |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;835570 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Exempt | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes |  | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Self-Employed |  | &nbsp;&nbsp;Non Permanent Resident Alien | &nbsp;&nbsp;ITIN IRS Letter |  |  | &nbsp;&nbsp;No |  |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836130 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;8.195% | &nbsp;&nbsp;Self-Employed |  | &nbsp;&nbsp;Permanent Resident Alien |  |  |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$6289.20 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836132 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;Not Provided | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;8.238% | &nbsp;&nbsp;Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$15607.64 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836133 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7.551% | &nbsp;&nbsp;Self-Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$8106.03 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836135 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;8.498% | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;Employed | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$11713.59 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836136 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7.67% | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;Self-Employed | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$5478.64 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836137 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7.661% | &nbsp;&nbsp;Employed | &nbsp;&nbsp;Unemployed | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;US Citizen |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$6917.69 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836139 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;Not Provided | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;7.768% | &nbsp;&nbsp;Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$8207.36 |
| &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;836140 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;Non-QM | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;xxxxxx | &nbsp;&nbsp;8.258% | &nbsp;&nbsp;Employed |  | &nbsp;&nbsp;US Citizen |  |  |  | &nbsp;&nbsp;Yes | &nbsp;&nbsp;$2493.85 |

---

## Exhibit 99.32

**EXHIBIT 99.32**

**EVOLVE VALUATION REPORT**

![](tm2518320d1_ex99-27iimg001.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 06/16/2025 2:55:18 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 816099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20240615 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20240619 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 828596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20241204 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20241217 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 830747 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250215 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250221 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 831043 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250111 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250123 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 831390 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20241116 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250114 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 833271 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250301 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250306 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835388 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250103 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250119 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250213 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.62% | xxxxxx | B | 20250218 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835392 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250209 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250320 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250303 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250308 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20241220 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250109 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250221 | xxxxxx | xxxxxx | 0.27% | 20250225 | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250214 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 835526 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250220 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250225 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| xxxxxx | 835527 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250228 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| xxxxxx | 835528 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250222 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250320 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835532 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250103 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250103 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| xxxxxx | 835534 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20241219 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250225 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835543 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250306 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250321 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250318 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250325 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 835570 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250318 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| xxxxxx | 836130 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250220 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250221 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 836132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250308 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250313 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 836133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250304 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250313 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 836135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250307 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250312 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 836136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250310 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250318 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 836137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250315 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250327 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 836139 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250130 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250318 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 836140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250219 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250331 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT**

![](tm2518320d1_ex99-33img001.jpg)

**June 24, 2025<br> Due Diligence Narrative Report** 

&nbsp;&nbsp;**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| *Sampling* | *3* |
| *Sponsor Acquisition Criteria* | *3* |
| *Loan Grading* | *3* |
| *TPR Component Review Scope* | *4* |
| Credit Review | 4 |
| Property Valuation Review | 4 |
| Regulatory Compliance Review | 5 |
| *Data Integrity* | *7* |
| *Data Capture* | *7* |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **12** |
| **Appendix A: Credit Review Scope** | **13** |
| **Appendix B: Origination Appraisal Assessment** | **16** |
| **Appendix C: Regulatory Compliance Review Scope** | **19** |

---

Verus 2025-6 Due Diligence Narrative Report Page \| 1 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm2518320d1_ex99-33img005.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm2518320d1_ex99-33img005.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 114 residential loans selected for Verus 2025-6. The loans referenced in this narrative report were reviewed from 2/2025 to 5/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 114 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 113 | 99.12% |
| &nbsp;&nbsp;Retail | 1 | 0.88% |
| &nbsp;&nbsp;**Total** | **114** | **100.00%** |

---

**Clayton'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. This is referred to as a "Full Review."

Verus 2025-6 Due Diligence Narrative Report Page \| 2 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 114 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | 114 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by Moody's Ratings ("Moody's") and S&P Global Ratings ("S&P").

Verus 2025-6 Due Diligence Narrative Report Page \| 3 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR Loans- Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements

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

Property Valuation Review

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (114 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full Appraisal

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

Verus 2025-6 Due Diligence Narrative Report Page \| 4 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

Verus 2025-6 Due Diligence Narrative Report Page \| 5 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

Verus 2025-6 Due Diligence Narrative Report Page \| 6 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

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

Data Integrity

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

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

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

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

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

Data Capture

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

Verus 2025-6 Due Diligence Narrative Report Page \| 7 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| Borrower 1 Self Employed Flag | 2 | 98.25% |
| Borrower 1 Total Income | 13 | 88.60% |
| Borrower 2 First Name | 2 | 98.25% |
| Borrower 2 Last Name | 2 | 98.25% |
| Cash Reserves | 32 | 71.93% |
| Combined LTV | 10 | 91.23% |
| Credit Report Date | 1 | 99.12% |
| Debt to Income Ratio (Back) | 3 | 97.37% |
| Disbursement Date | 15 | 86.84% |
| Documentation Type | 1 | 99.12% |
| Loan Purpose | 1 | 99.12% |
| Months Reserves | 24 | 78.95% |
| Next Payment Change Date | 1 | 99.12% |
| Original Appraisal Date | 6 | 94.74% |
| Original Appraised Value | 7 | 93.86% |
| Product Type | 3 | 97.37% |
| Property Type | 11 | 90.35% |
| Representative Credit Score for Grading | 3 | 97.37% |
| Total Cash Out | 46 | 59.65% |
| Total Monthly Income | 11 | 90.35% |

---

Verus 2025-6 Due Diligence Narrative Report Page \| 8 June 24, 2025

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 73 |  | 4 | 16 | **93** |
| **Final** | **B** |  | 14 | 2 | 1 | **17** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **73** | **14** | **6** | **17** | **110** |

---

**\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's** 

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 74 |  | 4 | 17 | **95** |
| **Final** | **B** |  | 14 | 4 | 1 | **19** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **74** | **14** | **8** | **18** | **114** |

---

\*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.

Verus 2025-6 Due Diligence Narrative Report Page \| 9 June 24, 2025

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**Initial and Final Credit Component Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 79 |  | 1 | 16 | **96** |
| **Final** | B |  | 14 |  |  | **14** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **79** | **14** | **1** | **16** | **110** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 83 |  | 1 | 16 | **100** |
| **Final** | B |  | 14 |  |  | **14** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **83** | **14** | **1** | **16** | **114** |

---

Verus 2025-6 Due Diligence Narrative Report Page \| 10 June 24, 2025

**Initial and Final Property Valuation Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 104 |  | 5 |  | **109** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **104** | **1** | **5** |  | **110** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 107 |  | 5 | 1 | **113** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **107** | **1** | **5** | **1** | **114** |

---

Verus 2025-6 Due Diligence Narrative Report Page \| 11 June 24, 2025

**Initial and Final Regulatory Compliance Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 56 | 1 | 1 | 2 | **60** |
| **Final** | B |  | 2 | 2 | 1 | **5** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **56** | **3** | **3** | **3** | **65** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 58 | 1 | 1 | 2 | **62** |
| **Final** | B |  | 2 | 4 | 1 | **7** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **58** | **3** | **5** | **3** | **69** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Valuation Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Multi Property Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rating Agency Grades 2.0

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Business Purpose Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. ASF Supplement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Non/QM ATR Upload

Verus 2025-6 Due Diligence Narrative Report Page \| 12 June 24, 2025

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status <br> - Non-occupant co-borrower

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

---

| |
|:---|
| Maximum loan amount |
| Loan purpose |
| Occupancy |

---

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

Verus 2025-6 Due Diligence Narrative Report Page \| 13 June 24, 2025

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

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

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

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

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

▪ Award letters

▪ Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

Verus 2025-6 Due Diligence Narrative Report Page \| 14 June 24, 2025

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- Subject property, seller and borrower aligned with other loan documentation <br> - Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

Verus 2025-6 Due Diligence Narrative Report Page \| 15 June 24, 2025

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

Verus 2025-6 Due Diligence Narrative Report Page \| 16 June 24, 2025

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

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

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

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

Verus 2025-6 Due Diligence Narrative Report Page \| 17 June 24, 2025

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials, and commentary to ensure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

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

---

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

---

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&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**D.** **Borrower's Interest** 

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

---

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

---

<u>Massachusetts (Attorney General regulations)</u> <u>Wyoming (Residential Mortgage Practices Act)</u> <br> <u>Michigan (Consumer Mortgage Protection Act)</u>  

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

Verus 2025-6 Due Diligence Narrative Report Page \| 23 June 24, 2025

![](tm2518320d1_ex99-33img002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;**F.** **Texas Equity** 

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

Verus 2025-6 Due Diligence Narrative Report Page \| 24 June 24, 2025

## Exhibit 99.34

**EXHIBIT 99.34**

**CLAYTON CONDITIONS REPORT**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-6** |
| **Start - End Dates:** | **2/28/2025 - 5/22/2025** |
| **Deal Loan Count:** | **114** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *114* |
| ***Loans with Conditions:*** | *40* |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Property Valuations Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 830384 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR237 | Appraisal is stale dated without recertification in file | No | Missing recert of exterior appraisal in file dated xxxxxx. | 4-11-25: client uploaded recertification of value done xxxxxx for field review. | 4-11-25: Clayton review recertification of value done xxxxxx, showing value has not declined. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in same residence for over 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer (S/E) for over 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median score of 693, minimum required score is 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.29%, max allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves are required, post closing reserves are $26,704.31. |
| 830384 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D | A | A D | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the xxxxxx FEMA Disaster xxxxxx. 4.9.25 Clayton ordered PDI. | 4-11-25: PDI received. | 4-11-25: Clayton reviewed PDI inspection done xxxxxx shows no damages. Exception satisfied and copy sent to client. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in same residence for over 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer (S/E) for over 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median score of 693, minimum required score is 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.29%, max allowed is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves are required, post closing reserves are $26,704.31. |
| 831150 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing verification that borrower xxxxxx is not on any watch list. | 4-8-25 Client uploaded fraud report participants list.4-15-25 Client uploaded fraud report participants list. 4-17-25 Client uploaded fraud report participants list. | 4-9-25 Clayton reviewed the fraud report participants list which does not have the borrowers name listed. Since Borrower is a foreign national - Please add borrowers name as other individual. Exception remains. 4-16-25 Clayton reviewed participants list uploaded 4-15-25 which does not have the borrower - xxxxxx listed. Please provide updated participants list with borrower listed. Exception remains.4-17-25 Clayton reviewed participants list. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $84,416.15, 7.77 months; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 831150 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing verification of receipt of gift funds (Copy of gift check or wire to the closing agent) for 4-8-24 gift of $149,500, 7-12-24 gift of $149,500, and 12-18-23 gift of $149,500. | 4-8-24 Client uploaded xxxxxx account reflecting transfers to title company. 4-16-24 Client uploaded gift receipt. | 4-9-25 Clayton reviewed xxxxxx statement which is the borrower's account reflecting transfers to settlement agent which we already have. We are missing evidence of the receipt of 3 gifts in the amount of $149,500 each from xxxxxx (donor) coming from xxxxxx to xxxxxx. Exception remains. 4-16-25 Client uploaded gift receipt 12-18-23 $149,9-27-23 $19,500, 9-18-23 $130,000, 4-8-24 $149,500. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $84,416.15, 7.77 months; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 831150 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Fraud report indicates appraiser is not registered with the National Registry of Appraisers. Provide ASC search. | 4-11-25 Client uploaded ASC search. | 4-14-25 Clayton reviewed ASC search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $84,416.15, 7.77 months; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. |
| 831291 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Provide full fraud report for borrower as they have a tax payer ID number and a xxxxxx credit report was provided. | 3-17-25 Client uploaded fraud report. | 3-18-25 Clayton reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 27 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 82.91 months of reserves in file. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence. |
| 831291 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing approved committee review for more than 4 properties financed with xxxxxx. | 3-14-25 Client uploaded committee review. | 3-18-25 Clayton reviewed committee review. Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 27 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 82.91 months of reserves in file. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence. |
| 831291 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Stale dated appraisal in file. Note date is xxxxxx, however, the xxxxxx appraisal in file is dated xxxxxx which exceeds 6 month maximum tolerance. Appears to be a typo - Provide updated appraisal and CDA reflecting correct date of xxxxxx. | 3-17-25 Client uploaded corrected appraisal and LCA and CU.3.18.25 CDA uploaded3.18.25 exception satisfied | 3.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 27 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 82.91 months of reserves in file. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence. |
| 831329 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $139.55 or .04 months cash reserves. Cash reserves verified $23,773.21; cash reserves required $3,985.46 x 6 months = $23,912.76. Because reserves are short by a minimal amount of $139.55, Clayton has deemed the exception non-material and assigned a B grade. | 03.11.2025 - Acknowledged by client. | 03.11.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1752: Clayton Comments: Because reserves are short by a minimal amount of $139.55, Clayton has deemed the exception non-material and assigned a B grade. |
| 831632 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | The ROR expiration date is xxxxxx which is the same date as the disbursement date. | (No Data) | The borrower signed xxxxxx and disbursed xxxxxx. PCCD provided. | (No Data) | Not Applicable | (No Data) |
| 831691 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing full Fraud Report. The one provided has OFAC report only.Borrower is a Foreign National with a tax payer ID and a credit report therefore a full fraud report is required. | 3-17-25 Client uploaded fraud report. | 3-18-25 Clayton reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 807 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 49.88% LTV. Max allowed 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Guides require 6 months PITIA reserves or $24,632.64. Verified $388,800.37 in post-closing reserves. |
| 831693 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Provide full fraud report for borrower as they have a tax payer ID number and a xxxxxx credit report was provided. | 3-17-25 Client uploaded fraud report. | 3-18-25 Clayton reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 84.38 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 25 months of 0x30 consumer credit history per CBR. |
| 831693 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing approved committee review for more than 4 properties financed with xxxxxx. | 3-21-25 Client uploaded committee approval. | 3-21-25 Clayton reviewed committee review. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 84.38 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 25 months of 0x30 consumer credit history per CBR. |
| 832328 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified median FICO 746. Minimum required 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been in business for 33.92 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 57.52% CLTV. Max allowed 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Verified clean mortgage history from 6/2016 to present or 102 months. Minimum 12 months required. |
| 833080 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months reserves required, 107.27 months post closing reserves available from cash-out. |
| 833149 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Provide PCCD, LOX, Copy of tolerance check in the amount of $150.00 and proof of delivery via shipping method within 60 days of consummation. increase of appraisal fee from $700.00 to $850.00 on Final LE xxxxxx. | 4.7.25-Client provided LOX, Copy of cure check, proof of delivery via shipping method and PCCD issued xxxxxx reflecting cure of $150.00. Satisfied. | 4.7.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16.5 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying credit score per CBR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 35 years employed in xxxxxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 241 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 292 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 63.35 months of reserves in file. |
| 833420 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | No reserves verified; 6 months required. Cash out from transaction may be used. | 4-10-25 Client uploaded HUD. | 4-10-25 Clayton reviewed HUD and added to assets. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $168,572 or 96.26 months; 6 months reserves required. |
| 833420 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing subject hud-1. Hud-1 in file has incorrect loan amount and settlement/disbursement dates. | 4-10-25 Client uploaded HUD. | 4-10-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $168,572 or 96.26 months; 6 months reserves required. |
| 833762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | B | A D C | B | A | D | A | D | A | C | A | B | A D C | B | A D C | B | A | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing | (No Data) | Affiliate Business Disclosure provided for cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $17,930.42 or 6.99 months reserves. |
| 833762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | B | A D C | B | A | D | A | D | A | C | A | B | A D C | B | A D C | B | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Documentation of the gift transfer to the borrower of $110,000 was not in the file. | Document provided to cure. | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $17,930.42 or 6.99 months reserves. |
| 833762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | B | A D C | B | A | D | A | D | A | C | A | B | A D C | B | A D C | B | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | The guidelines required the borrower's federal income tax returns for the most recent 2 years when employed by a relative. In this case, the borrower is employed by a relative (second job - xxxxxx); however, the borrower's complete tax returns for 2022 and 2023 were not in the file. Only page 2 of these returns were in the file. | 2023 Tax returns provided | 2023 Tax returns provided | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $17,930.42 or 6.99 months reserves. |
| 833762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | B | A D C | B | A | D | A | D | A | C | A | B | A D C | B | A D C | B | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Verbal VOEs dated within 10 calendar days prior to the note for the borrower's employment with xxxxxx and xxxxxx were not found in the file. | VOE provided to cure. | VOE provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $17,930.42 or 6.99 months reserves. |
| 833762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | B | A D C | B | A | D | A | D | A | C | A | B | A D C | B | A D C | B | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | The borrower's property insurance effective date was xxxxxx. The loan closed on xxxxxx. | Loan disbursed on xxxxxx which is ok for the insurance | Loan disbursed on xxxxxx which is ok for the insurance | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $17,930.42 or 6.99 months reserves. |
| 833762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | B | A D C | B | A | D | A | D | A | C | A | B | A D C | B | A D C | B | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | The project warrantability documentation was not in the file. It appears the subject may be a non-warrantable xxxxxx as there was information regarding litigation in the file for the xxxxxx. | Lender verified non-warrantable xxxxxx | Lender verified non-warrantable xxxxxx | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $17,930.42 or 6.99 months reserves. |
| 834513 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Final loan approval/underwriting form. | 3.11.25 please find the final loan approval3.12.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets from cash to borrower at closing = $299,956.93.Reserves 6 months $63,674.70<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.37% below 55% requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 exceeds720 requirement<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 834517 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 15.15% is 34.85% below the 50% allowed for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 6 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 12 months PITIA is 6 months greater than the 6 months reserves required. |
| 834528 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is QM Rebuttable APOR due to Benchmark Date xxxxxx loan has a test APR 8.708%, the Benchmark Rate was 6.850%; Variance 1.858%; max allowed is 1.5000%. | 3.7.25 Client response; We accept the determination on this and please clear the exception.3.8.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 3.8.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 171+ Months reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 27+ Months reporting positive |
| 834528 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Provide COC for increase of recording fee in section E from CD xxxxxx to xxxxxx or Provide Tolerance cure of $213.20, copy of cure check, proof of delivery., & PCCD within 60 days of consummation. | 3.18.25- Client provided un-signed CD issued xxxxxx. This CD provided does Not match the Final executed CD issued xxxxxx signed xxxxxx for recording fee. Recording fee reflects, in section E $871.00 charged to borrower on CD xxxxxx. CD xxxxxx reflects recording fee charged to borrower of $190.00. The actual highest recording fee is reflected on the initial LE of $598.00, due to that amount being initially disclosed, the amount is that amount plus 10% allowed, subtract the amount from what the borrower actually paid at closing. hence the amount of the violation is $213.20.$657.8 is the max allowed for the recording fee 598.00 (int. LE) plus 59.80 (10%). $871-$657.80=$213.20.3.19.25-Client provided PCCD, Tolerance Check (copy of) , LOX and proof of delivery. Satisfied. | 3.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 171+ Months reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 27+ Months reporting positive |
| 834528 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Credit | Ability to Repay/Qualified Mortgage | Waived B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | Not Applicable | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 171+ Months reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 27+ Months reporting positive |
| 834546 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $394,252.69 reserves; $3968.90\*6= $2, 3813.40 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qual score; min 680.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has established good credit since the Chapter 7 bankruptcy. |
| 834547 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 59+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 127+ Months reporting |
| 834551 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 50+ months reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 2 years. |
| 834553 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $122,111.35, or 80.43 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 658 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.98% is below guideline maximum of 70% for a DSCR cash out refinance with a 658 credit score. |
| 834555 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $402,899.31, or 104.92 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.36% is below guideline maximum of 75% for a DSCR with a ratio < 1.0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 723 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0. |
| 834556 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 140+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 15 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history. |
| 834557 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 15 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $336,948.59 reserves in file or 140.70 months PITI > required guidelines |
| 834558 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 102+ Months Consumer Credit Reporting<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 60+ Years at Current Address<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 113 Months Reserves |
| 834559 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 Months Reserves required, borrower has 21.56 Months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payemts |
| 834560 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 61+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 104 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History |
| 834562 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Less than $40,000 Equity...There is $30,000 Equity. There is a Credit Exception Request Form in the file for <$40,000 Equity. Client allows on a Case by Case Basis | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Very Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 246+ Months Reporting positive<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 57 Months Reserves |
| 834564 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan reserves do not meet minimum guideline requirements. Loan has 4.7 months reserves < 6 months requirements. Compensating factors are FICO, time in primary residence and good mortgage payment history. Client will do this on a case by case basis. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 7+ years |
| 834565 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 645 does not meet guideline minimum score of 700 for a DSCR w / 1 x30. Clayton deems exception non fatal to the lending decision. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $28,341.35, or 11.01 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 3 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 834566 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $68,251.25, or 8.52 months. 6 months required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 4/2008.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0. |
| 834567 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 110+ Months reporting |
| 834568 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $62,351.66, or 11.90 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline maximum of 80% for a DSFR cash out refinance with a 755 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 exceeds guideline minimum of 720 for a DSCR cash out refinance at 76.50% LTV. |
| 834571 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 158+ Months Consumer Credit Reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32 Months Reserves |
| 834572 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 76.50% exceeds guideline maximum of 75% for a DSCR purchase with a 686 credit score. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $43,138.66, or 19.37 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 4 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has not been 1X30 since 12/2020. |
| 834574 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 6+ years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| 834575 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title Commitment. | 3.27.2025-Client's response: March 27th 2025, 1:38:04 pmCommitment has been provided, please clear condition.3.27.2025-Clayton's response: Received the Title Commitment, exception satisfied. | 3.27.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $134,635.70 reserves in file or 117.54 months PITI > required guidelines |
| 834576 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $155,182.34 reserves in file or 61.36 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score exceeds 620 requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 834577 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 4.7.25 please find final SS4.7.25 exception satisfied | 4.7.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 710 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 198 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $270,375.23 = 76.14 months of reserves |
| 834578 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Post close equity of $34,000.00 does not meet guideline minimum of $40,000.00. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $29,712.756, or 22.64 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 exceeds guideline minimum of 700 for a DSCR purchase at 80% LTV.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 8/2014. |
| 834579 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Minimum equity does not meet guides. Home appraised for xxxxxx with a loan amount of xxxxxx leaves $30,000 in equity this is less than $40,000 required. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 76.92% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 733 exceeds the minimum of 720<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 44 months reviewed for primary residence mtg exceeds 12 months required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $20859.46, 18.59 months reserves, 6 months required |
| 834581 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Appraisal value = xxxxxx less loan amount = xxxxxx = Equity of $37,400. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8+ months reserves exceeds guidelines. |
| 834582 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 786, min is 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 75%, max is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is 0x30. |
| 834583 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $60,607.92 reserves in file or 31.90 months PITI > required guidelines |
| 834584 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 21 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 125+ Months reporting |
| 834586 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 42+ Months reporting positive<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 121+ Months reporting |
| 834587 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Missing Schedule A/B of Title | 4.1.25 please find the full prelim for review.4.1.25 exception satisfied | 4.1.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned his current residence for 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Guarantor has owned xxxxxx since 2009<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor has good credit history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.89% is below the allowed LTV per guidelines |
| 834588 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 799 is 79 points above the 720 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 60 months PITIA is 54 months greater than the 6 months reserves required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at current residence. |
| 834589 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 60+ months reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 12 years. |
| 834591 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor's have been in the current residence for 7 years 8 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor's have overall good credit history 0 x 30 in last 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 105.45 months reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Guarantor's have owned xxxxxx since 2017<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.89 is below max 75% allowed per guidelines |
| 834592 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 27 Months Reporting positive<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves exceed Guidelines |
| 834594 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date xxxxxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $23,371.40 post close reserves, 16.94 months PITI; 6 months required reserves<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Refinance paying off 1st and 2nd mortgages of $2,062.33 monthly will reduce to $1,379.42 monthly |
| 834595 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 42+ Months positive Mortgage History |
| 834596 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH119 | Consumer lates exceed guidelines | No | Mortgage late 1 X 30 in 12/2024 with qualifying credit score of 685. | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 88+ months reserves exceeds guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV below guideline requirement. |
| 834599 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| 834601 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 203+ Months Reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 47 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82+ Months reporting |
| 834603 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.00% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $128,342.03 reserves or 95.94 months PITI. No reserve requirement required. |
| 834604 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 21+ years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| 834605 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 credit score; 620 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $86,725.87 post close reserves, 39.31 months PITIA; 3 months required reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date xxxxxx, reporting 0x30 |
| 834608 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 76 Months Consumer Credit reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 834609 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $211,216.98 reserves in file or 39.79 months PITI<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV < guideline maximum of 80% |
| 834612 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Insurance Policy | 3.17.25 Flood insurance policy has been uploaded3.18.25 exception satisfied | 3.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $18,670.59 reserves in file or 4.89 months PITI<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 consumer credit payment history exceeds guidelines of 24 months |
| 834613 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33+ months reserves exceeds guidelines. |
| 834614 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Appraised Value is xxxxxx....Sales Price is xxxxxx and Loan Amount is xxxxxx.....Equity is $38,000 and Minimum Equity per Guidelines is $40,000 | 04.18.2025 - Acknowledged by client. | 04.18.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 73+ Months Reporting |
| 834616 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 112.25 months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 154 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 834617 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $170,384.04, or 68.25 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 727 exceeds guideline minimum of 720 for a DSCR Cash Out Refinance at 80% LTV. |
| 834622 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.6 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 58 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41 months of 0x30 mortgage history per CBR. |
| 834624 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $33,879.74, or 8.89 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a Rate/Term refinance with a 737 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with a history from 4/2013. |
| 834629 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $91,187.88 reserves in file or 83.99 months PITI > required guidelines |
| 834630 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $208,329.98 reserves in file or 95.29 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at primary residence for the past 5+ years. |
| 834632 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing rent free letter | 3.19.25 No rent letter has been provided, 3.19.25 exception satisfied | 3.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $14,014.65, or 8.74 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.56% is below guideline maximum of 75% for a DSCR cash out refinance with a 691 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 691 exceeds guideline minimum of 620 for a DSCR Cash Out refinance at 57.56% LTV. |
| 834633 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 73 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 89+ Months positive Mortgage History<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 834634 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 61 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 693 is 73 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.27% is 14.73% below the 70% LTV allowed for the program. |
| 834635 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 82+ months reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence 2 years. |
| 834636 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.02% LTV < guideline maximum of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $176,085.20 reserves in file or 78.81 months PITI > required guidelines |
| 834652 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 135.01 months of reserves in file. 0 months required. |
| 834655 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.97% LTV below guideline requirements of 65% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $33,725.45, 31.10 months; 6 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage on time payment history of 15 months exceeds the required 12 months. |
| 834660 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOM for xxxxxx verifying a 12 month payment history. Bank statements provided do not specify which mortgage payment is for xxxxxx. | 04.14.2025 - Acknowledged by client. | 04.14.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $36354.25, 32.48 months reserves, 6 months required |
| 834660 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV is 67.725% and maximum LTV is 65%. Clayton considers this as non material as borrower is experienced investor with cash reserves in excess of 12 months. Lender approved exception. | 04.14.2025 - Acknowledged by client. | 04.14.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $36354.25, 32.48 months reserves, 6 months required |
| 834662 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $168,843.38, 69.32 months; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence (xxxxxx) for 16 years. |
| 834663 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.85% G/l max is 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 72.75 months piti reserves. 6 months required. |
| 834664 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $137,749.87, 36.01 months; 6 months required. |
| 834915 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 10 years per application.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $22,069.25, 16.53 months; 6 mos reserves required. |
| 834919 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.76 months of reserves in file. |
| 834964 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $39,483.63 or 6.21 months reserves. |
| 835121 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | C | A | A | A | C | A | N/A | N/A C | N/A | N/A C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Appraiser is not registered with the National Registry of Appraisers | 4-9-25: Client uploaded copy of appraiser license.4-10-25 Client uploaded ASC search. | 4-9-25: Clayton revied copy of appraiser license, it confirms appraiser is licensed in xxxxxx but does not confirm appraiser is on National Registry of Appraisers as flagged on fraud report ASC search. Exception remains.4-10-25 Clayton reviewed ASC search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $137,271.96, 76.56 months; 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60% and maximum is 65% |
| 835314 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months PITIA reserves required of $14,352.96, post closing reserves available of $114,508.37. |
| 835317 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing full 30 days verification of xxxxxx. Account Activity for xxxxxx provided covers from 3/15/25 - 3/30/25. | 4-16-25: client uploaded 4 page statement for xxxxxx, from 1-31-25 to 3-30-25. | 4-16-25: Clayton reviewed the 4 page statement for xxxxxx from 1-31-25 to 3-30-25; exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $24588.13, 9.6 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75% |
| 836491 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 29.66% is 20.34% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 748 is 128 points above the 620 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years 1 month at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.38% is 30.62% below the 90% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 27 months PITIA is 24 months greater than the 3 months reserves required. |
| 836492 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 years 5 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 10 months greater than the 3 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.43% is 17.57% below the 75% LTV allowed for the program. |
| 836494 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on appraiser. Provide ASC search. | 4-16-25 Client uploaded ASC search. | 4-16-25 Clayton reviewed ASC search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 786 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 80%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 14.62%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 13.32% is below the maximum allowable 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $937,977.58, 138.21 months. 6 months required. |
| 836495 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income documents for departure home to support $2,200 rent used to qualify and evidence of HOA fees in the amount of $330 per month. | 4-21-25: Client uploaded documentation to support $2200 rent used to qualify. | 4-21-25: Clayton review documentation to support $2200 rent used to qualify, this portion of exception satisfied; still missing evidence of HOA fees in the amount of $330 per month that portion remains open. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $20,494.45, 9.69 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds the required 12 months. |
| 836495 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing evidence the borrower was the owner of xxxxxx CD xxxxxx. Printout provided does not reflect the account owner and funds were used for down payment and reserves. | 4-22-25: client uploaded print from xxxxxx confirming 5 accounts.4-22-25: Clayton reviewed print from xxxxxx with 5 accounts. 4 of the 5 accounts were cross checked as belonging to borrower, xxxxxx checking/savings with statements in file, and xxxxxx credit card reporting on credit report. | 4-22-25: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $20,494.45, 9.69 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds the required 12 months. |
| 836495 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence of HOA on departure home at $330 per month. | 4-21-25: client uploaded documentation verifying HOA fees on departure home are $330. | 4-21-25: Clayton reviewed documentation verifying HOA fees on departure home are $330. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $20,494.45, 9.69 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds the required 12 months. |
| 836495 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Rental income for departure home (section 1.5.5.4) is not supported per guidelines which requires all of the following: Market rental analysis, xxxxxx Family Comparable Rent Schedule (xxxxxx form 1007), Copy of the lease and Evidence of proof of receipt of damage deposit and first month's rent. Lender provided lease at $2,200. which was used to qualify. Without it the DTI is 55.95% - program maximum is 50%.Provide 1007 and evidence of receipt of damage deposit and 1st month's rent. | 4-21-25: client uploaded form 1007 with rental analysis and pictures for departure residence.4-21-25: Clayton reviewed form 1007 with rental analysis and picture for departure residence, $2300 market rents verified. | 4-21-25: Clayton reviewed form 1007 with rental analysis and picture for departure residence, $2300 market rents verified; rent receipt reviewed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the maximum allowable of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $20,494.45, 9.69 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds the required 12 months. |
| 836496 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid-score per CBR. 620 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 151 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 21 months of 0x30 rental history per VOR in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 28.28 months of reserves in file. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.69% LTV per review; 80% LTV is maximum allowed per guidelines for purchase between family. |
| 836497 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD issued xxxxxx. | 4.24.25-Client provided xxxxxx, providing proof of receipt of CD issued xxxxxx via E-delivery/receipt on xxxxxx. Satisfied. | 4.24.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.73%, max allowed 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned current residence for over 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Over 10 years and 7 years as owner of current companies. |
| 836497 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD issued xxxxxx. | 4.24.25-Client provided xxxxxx, providing proof of receipt of CD issued xxxxxx via E-delivery/receipt on xxxxxx. Satisfied. | 4.24.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.73%, max allowed 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned current residence for over 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Over 10 years and 7 years as owner of current companies. |
| 836499 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Status is pending, missing 2 months bank statements to calculate income. When status is reached, it will be Non-QM, Lender documented all ATR UW factors. | 4-23-25 Client uploaded missing bank statements. | 4-23-25 Clayton reviewed bank statements and updated income. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $102,434.84 /$3,628.03 = 28.23 months.6 months reserves required,<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743 and minimum is 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting on credit for at least 36 months, 12 months required. |
| 836499 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | DTI 58.91%, maximum allowed is 50%. Clayton income review is: Eligible deposits $157,851 \* 30% expense factor is $110,495.70 / 12 months = $9,207.98. | 4-23-25 Client uploaded missing bank statements. | 4-23-25 Clayton reviewed bank statements and updated income. DTI 45.02%. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $102,434.84 /$3,628.03 = 28.23 months.6 months reserves required,<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743 and minimum is 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting on credit for at least 36 months, 12 months required. |
| 836499 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2 months personal bank statements for May and April 2024 for bank statement calculation. | 4-23-25 Client uploaded missing bank statements. | 4-23-25 Clayton reviewed bank statements and updated income. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $102,434.84 /$3,628.03 = 28.23 months.6 months reserves required,<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743 and minimum is 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting on credit for at least 36 months, 12 months required. |
| 836500 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.95% LTV < maximum permitted of 85% for rate term refinance.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 mid score > minimum required of 660<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.49% DTI < maximum permitted of 50% |
| 836501 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | B | B | A | A | A | A | B | B A | B | B A | B | B | Compliance | State Consumer Protection | Waived B | CMPSTCP1151 | xxxxxx - Broker 'Amounts Earned' Disclosure not in file | No | Provide executed Broker 'Amounts Earned' Disclosure. | (No Data) | 4.30.25 Acknowledged by client. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.86% LTV < maximum permitted of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $316,886.11, 162.30 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > minimum required of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x122 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x greater than 200 months- Minimal use of available revolving credit lines @ 6.5% |
| 836501 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | B | B | A | A | A | A | B | B A | B | B A | B | B | Compliance | State Consumer Protection | Waived B | CMPSTCP1159 | xxxxxx - Designated Agency Disclosure not in file | No | Provide executed Designated Agency Disclosure. | 4.30.25-Client provided form xxxxxx Borrower Complaints. Provide executed xxxxxx Borrower Complaints Designated Agency Disclosure. | 4.30.25 Acknowledged by client. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.86% LTV < maximum permitted of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $316,886.11, 162.30 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 mid score > minimum required of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x122 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x greater than 200 months- Minimal use of available revolving credit lines @ 6.5% |
| 836504 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed at current job for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $$337,522.65, 52.52 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 754 and minimum is 660 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | Documentation | Satisfied B A | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | Documentation | Satisfied C A | CMPDOC2518 | The note, mortgage, and/or other legal documents do not accurately reflect the agreed upon loan terms | No | The Note and Mortgage do not reflect the terms of the Loan Estimates or Closing Disclosures. The Note is a Fixed Rate 30 year term and the LE;s and CD"s are Fixed rate 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | Federal Consumer Protection | Satisfied B A | CMPFDCP319 | TILA - Balloon Payment Not Disclosed | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | The Note is a Fixed Rate 30 year term and the LE;s and CD"s are 30 year Fixed rate 10 year I/O causing understatement of xxxxxx | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID4381 | TRID - CD: CD does not reflect the terms of the legal obligation or is not a in good faith based on best info available | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4034 | TRID - CD: The Interest Only indicator on the AP Table of the Final Closing Disclosure does not match whether or not the Note provides for Interest Only payments | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4360 | TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.25.25-CD xxxxxx Contains IO properties , note does not. Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5035 | TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates. | No | Terms of Note is a Fixed Rate for 30 years. Product type on Closing Disclosure is 30 year fixed rate with 10 year I/O. | 4.29.25-Client provided note reflecting IO period. Satisfied. | 4.29.25- Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient reserves to meet requirements for reserve borrower funds to cover balance on open 30 day charge account; account balance on xxxxxx is $10,008, verified funds are $4044.74 + cash back at closing $700.46 = $4745.20. Clayton considers this non material as borrower has 11 year job history, excellent mortgage pay history with no lates in 4 years, and credit score of 758. | 4-24-25 Client accepts B grade. 5.05.2025 - Acknowledged by client | 4-24-25 Non-material exception remains. 05.05.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x50 (consecutive) months > maximum permitted of 1x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: - Consumer debt: 0x30 x99 months- Low usage of available revolving credit lines @ 27%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > minimum required of 620 |
| 836509 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof the following properties have no HOA expense as qualified with: xxxxxx, and xxxxxx. | 4-23-25 Client uploaded xxxxxx printouts and updated 1003/1008. | 4-23-25 Clayton reviewed xxxxxx printouts and updated REO debt. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 2 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 17 years 9 months at current job.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 25 years in same line of work.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 55 mos. 0x30, 53 mos. 0x30, 49 mos. 0x30, 52 mos. 0x30 and 99 mos. 0x30. |
| 836510 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.8 years working for xxxxxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10.8 years in the xxxxxx<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 160 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 44.02 months of reserves in file. |
| 836511 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 794. 680 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9 years 1 month at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is 5% below the 85% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 18 months PITIA is 12 months greater than the 6 months reserves required. |
| 836513 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | B | B | A | A | A | A | B | B A | B | B A | B | B | Compliance | RESPA | Waived B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure and/or FACTS. | 04.28.2025 - Acknowledged by client. | 04.28.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80%, max allowed with 804 credit score is 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Excellent credit history, no lates reporting.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates reporting for over 24 months, 1x30x12 allowed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower revolving credit usage 0.00%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months reserves required, 29.74 months reserves available post closing.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 48.77%, max allowed is 50%. |
| 836645 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years and 2 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.78% LTV below guideline requirements of 80% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $37,758.67 , 17.38 months; no reserves required. |
| 836660 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $51,756.42, 8.69 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 766 and minimum is 660 |
| 836663 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Business bank statements evidence 4 NSF occurring in a 12 month period with 2 occurring in most recent 3 months (February 10, 2025, January 22, 2025, December 24, 2024 and April 3, 2024). Per guidelines 1.7.6.3, if there is 1 or more occurrences in most recent 3 months period, up to 3 occurrences are allowed in the most recent 12 months period. Clayton deems non-material/non-fatal to lending decision due to credit score of 761/700 minimum, 53.85% LTV/80% maximum, 34.90% DTI/43% Maximum and 8.51 months Cash reserves/6 months required. | 05.19.2025 - Acknowledged by client. | 05.19.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.85% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 761 exceeds the minimum of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.9% is below the maximum of 43%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% of revolving credit utilized<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years business existence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $50787.77, PITI $5969.95, 8.51 months reserves, 6 months required |
| 837056 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45%, max allowed of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Middle score of 650, minimum required score is 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3 months reserves required, post closing reserves is 20.46 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.92%, max allowed is 50% DTI. |
| 837206 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 15 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 21 years and 1 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.85% LTV below guideline requirements of 80% per program. |
| 837207 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75 months reviewed for primary residence mortgage exceeds 12 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 45.1% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 707 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets Cash reserves $240,206.11, PITIA $5657.80, 42.46 months reserves, 6 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.26% is below the maximum of 50% |
| 837209 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | D | B | A | A | B | B | D | B D A | D | B D A | D | B | Compliance | Texas Home Equity | Satisfied D B | CMPTXHE117 | xxxxxx Equity - Missing Affidavit of Fair Market Value | No | Missing Affidavit of Fair Market Value | 5.2.25-Client provided Appraisal Acknowledgement. Provide Affidavit of FMV Status (pursuant to section 50 (A), Article XVI of the Texas Constitution.) Which must include signature by all parties (Lender & Borrower) and must state the fair market value of the subject.5.5.25-Client provided FMV Affidavit executed by all parties, reflecting FMV. Satisfied. | 5.5.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 31.58% is below the maximum of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.32% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $2,972,327.48, 84.62 months reserves, 12 months required |
| 837209 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | D | B | A | A | B | B | D | B D A | D | B D A | D | B | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Exception granted due to title issue. Title evidences encroachments that only appear on the Owner's policy and not the Lender's policy. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: credit score 809/680 minimum, 31.58% LTV/70% maximum allowed and DTI 17.32%/50% maximum. All encroachments are only reflected on the owners policy and are common and if necessary, homeowner could have corrected. Property was built in 1985 in an established PUD, and borrowers have owned property for 2 years and it does not appear these are new additions to the property. Encroachments include a wooden deck walkway within the easement, fence and concrete driveway inside the easement line, and the AC is built inside the easement line. Per the title company these encroachments are only applicable to the owners, it does not impact a lender because the lender is covered and insured. | 5-12-25 Acknowledged by client. | 5-12-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 31.58% is below the maximum of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.32% is below the maximum of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $2,972,327.48, 84.62 months reserves, 12 months required |
| 837210 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has owned current business for 19 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 692, minimum required score is 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Revolving and installment payment history reports current and in good standing for 8 years, required 12 months with no lates.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 43 months current payment history, 12 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.14%, max allowed to 80% |
| 837211 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | Master HOA policy that renewed xxxxxx is missing Property Coverage and deductible. | 5-14-25 Client uploaded HOI policy.5-15-25 Client uploaded corrected HOI policy. | 5-14-25 Clayton reviewed HOA but unable to connect subject property at xxxxxx to policy as location was xxxxxx and no indication of the number of units covered by policy. Exception remains. 5-15-25 Clayton reviewed Master HOI policy which reflects the property address. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 15 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.45% is below the maximum allowable of 85%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 9%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves of 0 months is below total available reserves of 15.05 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates reporting on credit.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Current PI payment is $1,831.67; Subject PI is $1,410.44 . Monthly savings of $421.23. |
| 837212 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying credit score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 6.6 years employed with xxxxxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 200 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75 months of 0x30 rental history per VOR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.35 months of reserves in file. 6 months required. |
| 837213 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9.7 years employed with xxxxxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years working in xxxxxx<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 141 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 62.66 months of reserves in file. 6 months required. |
| 837214 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.98% is below the maximum of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 792 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $116487.90, 47.1 months reserves, 6 months required |
| 837215 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qualifying credit score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.59% LTV per review; 90% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 244 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29.76 months of reserves in file. |
| 838289 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit lines @ 3.07%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.03% LTV < maximum permitted of 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets via proceeds: $213,311.45 (77.19 mos PITIA) > minimum required of 6 months PITIA. |

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## Exhibit 99.35

**EXHIBIT 99.35**

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-6 |
| **Start - End Dates:** | 02/28/2025 - 5/22/2025 |
| **Deal Loan Count:** | 114 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *114* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 830384 | xxxxxx | Combined LTV | 29.29 | 69.29 |
| 830384 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 830384 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 830384 | xxxxxx | Total Cash Out | (231.46) | 231.46 |
| 831150 | (No Data) | Cash Reserves | 130695.37 | 84416.15 |
| 831150 | (No Data) | Combined LTV | 58.89 | 65.00 |
| 831150 | (No Data) | Months Reserves | 10.00 | 7.77 |
| 831150 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 831150 | (No Data) | Total Cash Out | 17645.31 | 0.00 |
| 831291 | (No Data) | Property Type | SFR | Low Rise Condo (1-4) |
| 831291 | (No Data) | Representative Credit Score for Grading | 680 | 807 |
| 831329 | (No Data) | Cash Reserves | 183994.64 | 23773.21 |
| 831329 | (No Data) | Total Cash Out | 160221.43 | 0.00 |
| 831691 | (No Data) | Representative Credit Score for Grading | 680 | 807 |
| 831693 | (No Data) | Representative Credit Score for Grading | 680 | 807 |
| 832328 | xxxxxx | Combined LTV | 22.67 | 57.52 |
| 832328 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 832328 | xxxxxx | Total Cash Out | 76146.46 | 102479.46 |
| 833080 | xxxxxx | Cash Reserves | 32681.71 | 277403.10 |
| 833080 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 833080 | xxxxxx | Months Reserves | '-66.00 | 107.27 |
| 833080 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 833080 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 833080 | xxxxxx | Total Cash Out | 277749.42 | 277403.10 |
| 833149 | xxxxxx | Combined LTV | 25.56 | 44.56 |
| 834513 | xxxxxx | Total Cash Out | 1388010.91 | 299956.93 |
| 834551 | (No Data) | Total Cash Out | 863172.53 | 365542.86 |
| 834553 | xxxxxx | Total Cash Out | 124960.72 | 122111.35 |
| 834562 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834565 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 834568 | xxxxxx | Cash Reserves | 117267.66 | 62351.66 |
| 834568 | xxxxxx | Months Reserves | 22.00 | 11.90 |
| 834572 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 834577 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834579 | (No Data) | Total Cash Out | 89116.93 | 19805.31 |
| 834581 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834584 | (No Data) | Total Cash Out | 149731.14 | 144731.14 |
| 834587 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 834592 | (No Data) | Cash Reserves | 119032.21 | 67125.15 |
| 834592 | (No Data) | Months Reserves | 73.00 | 41.59 |
| 834595 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 834596 | (No Data) | Total Cash Out | 216471.13 | 208774.74 |
| 834601 | xxxxxx | Total Cash Out | 70302.37 | 74792.37 |
| 834603 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834608 | (No Data) | Cash Reserves | 16442.36 | 26527.13 |
| 834608 | (No Data) | Months Reserves | 11.00 | 18.59 |
| 834612 | (No Data) | Cash Reserves | 34155.32 | 18670.59 |
| 834612 | (No Data) | Months Reserves | 8.00 | 4.89 |
| 834629 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 834632 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834632 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 834632 | xxxxxx | Total Cash Out | 15219.65 | 14014.65 |
| 834655 | xxxxxx | Total Cash Out | (168.47) | 168.47 |
| 834660 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 834660 | xxxxxx | Total Cash Out | 606.98 | 0.00 |
| 834662 | (No Data) | Cash Reserves | 188696.50 | 168843.38 |
| 834662 | (No Data) | Months Reserves | 49.00 | 69.32 |
| 834662 | (No Data) | Total Cash Out | 69805.62 | 0.00 |
| 834663 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 834663 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 834663 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 834664 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 834664 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 834664 | (No Data) | Cash Reserves | 302316.34 | 137749.87 |
| 834664 | (No Data) | Combined LTV | 67.20 | 70.00 |
| 834664 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 834664 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 834664 | (No Data) | Total Cash Out | 164566.47 | 0.00 |
| 834915 | xxxxxx | Cash Reserves | 64768.02 | 22069.25 |
| 834915 | xxxxxx | Combined LTV | 68.95 | 75.00 |
| 834915 | xxxxxx | Months Reserves | 14.00 | 16.53 |
| 834915 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 834915 | xxxxxx | Total Cash Out | 45622.34 | 0.00 |
| 834919 | xxxxxx | Cash Reserves | 154315.18 | 40814.73 |
| 834919 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 834919 | xxxxxx | Total Cash Out | 113500.45 | 0.00 |
| 835121 | (No Data) | Total Cash Out | 136513.08 | 137271.96 |
| 835314 | (No Data) | Cash Reserves | 188696.50 | 114508.37 |
| 835314 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 835314 | (No Data) | Total Cash Out | 74197.13 | 0.00 |
| 835317 | xxxxxx | Cash Reserves | 3701.14 | 20449.38 |
| 835317 | xxxxxx | Combined LTV | 67.21 | 70.00 |
| 835317 | xxxxxx | Months Reserves | 17.00 | 7.98 |
| 835317 | xxxxxx | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 835317 | xxxxxx | Total Cash Out | 109036.47 | 0.00 |
| 836491 | xxxxxx | Cash Reserves | 13628.45 | 55468.98 |
| 836491 | xxxxxx | Total Cash Out | 144718.58 | 0.00 |
| 836492 | xxxxxx | Total Cash Out | 33997.32 | 35450.70 |
| 836494 | xxxxxx | Borrower 1 Total Income | 52959.17 | 52305.85 |
| 836494 | xxxxxx | Cash Reserves | 203095.35 | 937977.58 |
| 836494 | xxxxxx | Months Reserves | '-23.00 | 138.21 |
| 836494 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 836494 | xxxxxx | Total Monthly Income | 52959.17 | 52305.85 |
| 836495 | xxxxxx | Borrower 1 Total Income | 8517.91 | 6767.12 |
| 836495 | xxxxxx | Cash Reserves | 68076.88 | 20494.45 |
| 836495 | xxxxxx | Combined LTV | 74.89 | 80.00 |
| 836495 | xxxxxx | Months Reserves | 14.00 | 9.69 |
| 836495 | xxxxxx | Total Cash Out | 38620.12 | 0.00 |
| 836495 | xxxxxx | Total Monthly Income | 8517.91 | 7226.28 |
| 836496 | xxxxxx | Total Cash Out | (27.42) | 0.00 |
| 836499 | xxxxxx | Borrower 1 Self Employed Flag | No | Yes |
| 836499 | xxxxxx | Borrower 1 Total Income | 16021.86 | 12049.79 |
| 836499 | xxxxxx | Cash Reserves | 264342.37 | 102434.84 |
| 836499 | xxxxxx | Combined LTV | 82.50 | 85.00 |
| 836499 | xxxxxx | Debt to Income Ratio (Back) | 32.8370 | 45.0193 |
| 836499 | xxxxxx | Months Reserves | 44.00 | 28.23 |
| 836499 | xxxxxx | Total Cash Out | 103456.47 | 0.00 |
| 836499 | xxxxxx | Total Monthly Income | 16021.86 | 12049.79 |
| 836500 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 836500 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 836501 | xxxxxx | Cash Reserves | 538209.41 | 316886.11 |
| 836501 | xxxxxx | Months Reserves | 216.00 | 162.30 |
| 836501 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 836501 | xxxxxx | Total Cash Out | 116933.25 | 0.00 |
| 836504 | xxxxxx | Borrower 1 Total Income | 76733.75 | 76727.56 |
| 836504 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 836504 | xxxxxx | Total Cash Out | (714.63) | 333.82 |
| 836504 | xxxxxx | Total Monthly Income | 76733.75 | 76727.56 |
| 836505 | xxxxxx | Debt to Income Ratio (Back) | 46.3590 | 36.7923 |
| 836505 | xxxxxx | Property Type | SFR | Detached PUD |
| 836505 | xxxxxx | Total Cash Out | (700.46) | 700.46 |
| 836509 | xxxxxx | Cash Reserves | 28827.80 | 301931.46 |
| 836509 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 836509 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 836509 | xxxxxx | Total Cash Out | 274451.60 | 273103.66 |
| 836510 | xxxxxx | Cash Reserves | 453343.62 | 196970.77 |
| 836510 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 836510 | xxxxxx | Months Reserves | 159.00 | 44.02 |
| 836510 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 836510 | xxxxxx | Total Cash Out | 258383.31 | 0.00 |
| 836511 | xxxxxx | Cash Reserves | 272338.91 | 114214.76 |
| 836511 | xxxxxx | Total Cash Out | 158124.15 | 0.00 |
| 836513 | xxxxxx | Borrower 1 Total Income | 15609.49 | 13346.31 |
| 836513 | xxxxxx | Cash Reserves | 118765.44 | 226422.69 |
| 836513 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 836513 | xxxxxx | Months Reserves | 15.00 | 29.74 |
| 836513 | xxxxxx | Total Cash Out | (995.89) | 0.00 |
| 836645 | xxxxxx | Total Cash Out | 37345.17 | 54774.60 |
| 836660 | xxxxxx | Borrower 1 Total Income | 16008.47 | 15850.00 |
| 836660 | xxxxxx | Cash Reserves | 209341.53 | 51756.42 |
| 836660 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 836660 | xxxxxx | Total Cash Out | (1275.22) | 0.00 |
| 836660 | xxxxxx | Total Monthly Income | 16008.47 | 15850.00 |
| 836663 | xxxxxx | Borrower 1 Total Income | 26247.99 | 26633.78 |
| 836663 | xxxxxx | Cash Reserves | 164090.63 | 50787.77 |
| 836663 | xxxxxx | Debt to Income Ratio (Back) | 40.4670 | 34.9019 |
| 836663 | xxxxxx | Months Reserves | 7.00 | 8.51 |
| 836663 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 836663 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 836663 | xxxxxx | Total Cash Out | 627565.82 | 0.00 |
| 836663 | xxxxxx | Total Monthly Income | 26247.99 | 26633.78 |
| 837056 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 837056 | xxxxxx | Total Cash Out | 118936.48 | 127650.04 |
| 837206 | xxxxxx | Borrower 1 Total Income | 7484.26 | 6044.01 |
| 837206 | xxxxxx | Cash Reserves | 5795.43 | 154529.37 |
| 837206 | xxxxxx | Months Reserves | 1.00 | 48.53 |
| 837206 | xxxxxx | Total Cash Out | 148739.24 | 156933.31 |
| 837207 | xxxxxx | Borrower 1 Total Income | 20664.35 | 21207.78 |
| 837207 | xxxxxx | Cash Reserves | 47790.93 | 240206.11 |
| 837207 | xxxxxx | Months Reserves | '-4.00 | 42.46 |
| 837207 | xxxxxx | Total Monthly Income | 23773.38 | 23816.35 |
| 837209 | xxxxxx | Borrower 1 Total Income | 405796.21 | 417022.59 |
| 837209 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 837209 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 837209 | xxxxxx | Total Monthly Income | 405796.21 | 417022.59 |
| 837210 | xxxxxx | Borrower 1 Total Income | 73536.68 | 76033.06 |
| 837210 | xxxxxx | Cash Reserves | 316908.54 | 377377.18 |
| 837210 | xxxxxx | Months Reserves | 23.00 | 27.99 |
| 837210 | xxxxxx | Total Cash Out | 7577.84 | 0.00 |
| 837210 | xxxxxx | Total Monthly Income | 73536.68 | 76033.06 |
| 837211 | xxxxxx | Borrower 1 Total Income | 10718.90 | 10718.89 |
| 837211 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 837211 | xxxxxx | Total Cash Out | (1219.24) | 0.00 |
| 837211 | xxxxxx | Total Monthly Income | 10718.90 | 10718.89 |
| 837212 | xxxxxx | Borrower 1 Self Employed Flag | No | Yes |
| 837212 | xxxxxx | Cash Reserves | 338898.43 | 111025.50 |
| 837212 | xxxxxx | Months Reserves | 38.00 | 12.35 |
| 837212 | xxxxxx | Total Cash Out | (127.00) | 0.00 |
| 837213 | xxxxxx | Borrower 1 Total Income | 29366.33 | 29966.75 |
| 837213 | xxxxxx | Cash Reserves | 419999.66 | 590344.85 |
| 837213 | xxxxxx | Months Reserves | 12.00 | 62.66 |
| 837213 | xxxxxx | Total Cash Out | 302470.12 | 0.00 |
| 837213 | xxxxxx | Total Monthly Income | 29366.33 | 29966.75 |
| 837214 | xxxxxx | Cash Reserves | 359214.74 | 116487.90 |
| 837214 | xxxxxx | Months Reserves | 124.00 | 47.10 |
| 837214 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 837214 | xxxxxx | Total Cash Out | 51463.86 | 0.00 |
| 837215 | xxxxxx | Cash Reserves | 591110.36 | 215198.27 |
| 837215 | xxxxxx | Combined LTV | 58.44 | 62.59 |
| 837215 | xxxxxx | Months Reserves | 21.00 | 29.76 |
| 837215 | xxxxxx | Total Cash Out | 440278.85 | 0.00 |
| 838289 | xxxxxx | Cash Reserves | 17000.00 | 213311.45 |
| 838289 | xxxxxx | Months Reserves | 28.00 | 77.19 |
| 838289 | xxxxxx | Total Cash Out | 213561.45 | 213311.45 |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

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## Exhibit 99.36

**EXHIBIT 99.36**

**CLAYTON NON ATR QM UPLOAD**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-6** |
| **Start - End Dates:** | **02/28/2025 - 5/22/2025** |
| **Deal Loan Count:** | **114** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *114* |

---

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| **Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 830384 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 9.8718 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.27 | 32.27 | 32.27 | 32.27 | 32.27 | 32.27 | No | No | (No Data) | 13258.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 831150 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10867.71 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 14800.00 | No | (No Data) | 1.36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 831291 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2523 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 831329 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3985.46 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 831632 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 9.3606 | No | No | 1.474 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.98 | 47.29 | 49.98 | 47.29 | 47.29 | 47.29 | Yes | Yes | Yes | 14308.11 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months;<br> Personal Bank Statements - 6 months; | (No Data) | (No Data) | (No Data) |
| 831691 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4105.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4777.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 831693 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2481.64 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2700.00 | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 832328 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.2084 | Yes | Yes | 1.247 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.73 | 35.78 | 35.73 | 35.78 | 35.78 | 35.78 | No | No | (No Data) | 8451.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter with Income - 26 months; | (No Data) | (No Data) | (No Data) |
| 833080 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7783 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2586.09 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 833149 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.5787 | Yes | Yes | 2.025 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.52 | 34.54 | 34.54 | 34.54 | 34.54 | 34.54 | No | No | (No Data) | 8647.66 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| 833420 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1751.18 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 833762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5080 | Yes | Yes | 2.969 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.23 | 38.23 | 38.23 | 38.23 | 38.23 | 38.23 | No | Yes | Yes | 4382.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 834513 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8849 | Yes | Yes | 1.464 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.83 | 25.84 | 25.83 | 24.53 | 24.53 | 25.1 | No | No | (No Data) | 57675.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 834517 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7804 | Yes | Yes | 0.249 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.16 | 15.15 | 15.16 | 15.15 | 15.15 | 15.15 | Yes | Yes | Yes | 52844.68 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 834528 | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.7081 | Yes | Yes | 2.571 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.66 | 28.66 | 28.66 | 28.66 | 28.66 | 28.66 | No | No | (No Data) | 29624.06 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 834546 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3968.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.76 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834547 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4088.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834551 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7294.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 0.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834553 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1518.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 0.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834555 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3839.93 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 0.89 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834556 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2394.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834557 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2394.84 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834558 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1941.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834559 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2478.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834560 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1842.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834562 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1199.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834564 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0.931 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2852.51 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834565 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0.931 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2573.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834566 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8012.01 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6200.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834567 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1950.54 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834568 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5237.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5350.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834571 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2421.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834572 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2226.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.03 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834574 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3071.31 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834575 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1145.47 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834576 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2528.99 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2629.00 | No | (No Data) | 1.04 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834577 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3551.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3750.00 | No | (No Data) | 1.06 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834578 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1312.39 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1379.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834579 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1122.03 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834581 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1369.61 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1475.00 | No | (No Data) | 1.08 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834582 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4115.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.09 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834583 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1899.66 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834584 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6850.39 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7600.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834586 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1664.38 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834587 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1797.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834588 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2842.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834589 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2842.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834591 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1837.71 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834592 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1613.9 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834594 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.9990 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1379.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834595 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1717.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834596 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2346.52 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834599 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2259.03 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834601 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1578.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834603 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1337.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834604 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1541.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834605 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2206.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834608 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1426.98 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834609 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5308.37 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6900.00 | No | (No Data) | 1.30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834612 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3816.29 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834613 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1446.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834614 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1513.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834616 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1334.77 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834617 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2496.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3350.00 | No | (No Data) | 1.34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834622 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1796.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.39 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834624 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3810.97 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5400.00 | No | (No Data) | 1.42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834629 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1085.73 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.57 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834630 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2186.23 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 1.58 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834632 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0.806 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1602.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.75 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834633 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1790.88 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.79 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834634 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1901.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3440.00 | No | (No Data) | 1.81 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834635 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -987.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834636 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2234.16 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4460.00 | No | (No Data) | 2.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834652 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5137 | Yes | Yes | 1.516 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 | No | No | (No Data) | 46441.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 156 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 834655 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1084.43 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834660 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1119.32 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834662 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2435.7 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.01 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 834663 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2296.35 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2685.00 | No | (No Data) | 1.17 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834664 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3825.69 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4080.00 | No | (No Data) | 1.07 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 834915 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1334.94 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1395.00 | No | (No Data) | 1.05 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834919 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2589.53 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 834964 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4602 | Yes | Yes | 1.811 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.26 | 42.55 | 40.26 | 42.55 | 42.55 | 42.55 | Yes | Yes | Yes | 11454.29 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 835121 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1792.96 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1800.00 | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 835314 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2392.16 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 835317 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2561.39 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2625.00 | No | (No Data) | 1.02 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 836491 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6881 | Yes | Yes | 2.914 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.66 | 29.66 | 29.66 | 29.66 | 29.66 | 29.66 | No | No | (No Data) | 7779.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 836492 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 3.625 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.66 | 0 | 49.66 | 49.66 | 49.66 | (No Data) | (No Data) | (No Data) | 6395.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 836494 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3172 | Yes | Yes | 0.473 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.4 | 13.32 | 13.4 | 13.32 | 13.32 | 13.32 | No | No | (No Data) | 45341.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 836495 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4591 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.72 | 40.48 | 38.72 | 40.48 | 40.48 | 40.48 | No | No | (No Data) | 4300.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 836496 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0027 | Yes | Yes | 2.708 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.38 | 14.38 | 14.38 | 14.38 | 14.38 | 14.38 | No | No | (No Data) | 45924.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months; | (No Data) | (No Data) | (No Data) |
| 836497 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8741 | Yes | Yes | 3.974 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.6 | 20.36 | 20.6 | 20.36 | 20.36 | 20.36 | No | No | (No Data) | 21192.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 836499 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7077 | No | Yes | 3.888 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.84 | 45.02 | 32.84 | 45.02 | 45.02 | 45.02 | No | No | (No Data) | 6625.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 43 months; | (No Data) | (No Data) | (No Data) |
| 836500 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4980 | Yes | Yes | 2.335 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.49 | 18.49 | 18.49 | 18.49 | 18.49 | 18.49 | No | No | (No Data) | 70063.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 216 months; | (No Data) | (No Data) | (No Data) |
| 836501 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Condotel | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2874 | Yes | Yes | 2.318 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.1 | 38.13 | 38.1 | 38.13 | 38.13 | 38.13 | Yes | No | (No Data) | 3215.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 1 months; | (No Data) | (No Data) | (No Data) |
| 836504 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.26 | 0 | 26.26 | 26.26 | 26.26 | (No Data) | (No Data) | (No Data) | 56582.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) |
| 836505 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0381 | Yes | No | 0.893 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.36 | 45.14 | 46.36 | 36.79 | 36.79 | 36.79 | Yes | No | (No Data) | 18893.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 836509 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 3.563 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.44 | 0 | 31.44 | 31.44 | 31.44 | (No Data) | (No Data) | (No Data) | 30903.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> CPA Letter without Income - 24 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 836510 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0171 | Yes | Yes | 2.377 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.06 | 12.06 | 12.06 | 12.06 | 12.06 | 12.06 | No | No | (No Data) | 43366.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 132 months; | (No Data) | (No Data) | (No Data) |
| 836511 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4929 | No | No | 2.359 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.52 | 44.52 | 44.52 | 44.52 | 44.52 | 44.52 | Yes | Yes | Yes | 14217.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 836513 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0795 | No | No | 2.856 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.77 | 48.77 | 48.77 | 48.77 | 48.77 | 48.77 | No | No | (No Data) | 7996.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 836645 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3120 | No | No | 2.891 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.42 | 43.42 | 43.42 | 43.42 | 43.42 | 43.42 | No | Yes | Yes | 3147.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 836660 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | Not Applicable | (No Data) | (No Data) | No | No | 1 | 8.0256 | Yes | Yes | 2.739 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.8 | 38.18 | 37.8 | 38.18 | 38.18 | 38.18 | No | No | (No Data) | 9798.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L Only - 15 months; | (No Data) | (No Data) | (No Data) |
| 836663 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5673 | Yes | Yes | 1.538 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.47 | 39.72 | 40.47 | 34.9 | 34.9 | 36.9 | No | No | (No Data) | 17338.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 837056 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3517 | No | No | 1.821 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.92 | 46.92 | 46.92 | 46.92 | 46.92 | 46.92 | Yes | Yes | Yes | 7492.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 837206 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2128 | No | No | 3.188 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.36 | 47.36 | 47.36 | 47.36 | 47.36 | 47.36 | No | No | (No Data) | 3939.76 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 837207 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0184 | Yes | Yes | 1.368 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.32 | 37.26 | 37.32 | 37.26 | 37.26 | 37.26 | No | No | (No Data) | 14943.55 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 837209 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9139 | Yes | Yes | 0.368 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.56 | 17.32 | 17.56 | 17.32 | 17.32 | 17.32 | No | No | (No Data) | 344807.52 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 837210 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5098 | Yes | Yes | 1.313 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.22 | 35.86 | 38.22 | 35.86 | 35.86 | 35.86 | Yes | Yes | Yes | 48766.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 837211 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2873 | Yes | No | 2.238 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.23 | 41.73 | 43.23 | 41.73 | 41.73 | 41.73 | Yes | Yes | Yes | 6246.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> CPA Letter with Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 837212 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8563 | Yes | Yes | 0.14 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.67 | 41.67 | 41.67 | 41.67 | 41.67 | 41.67 | No | No | (No Data) | 12808.44 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months; | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 837213 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4313 | No | No | 2.249 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.66 | 44.52 | 44.52 | 44.52 | 44.52 | 44.52 | No | No | (No Data) | 16624.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 837214 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | Yes | No | 2.85 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 23.98 | 0 | 23.98 | 23.98 | 23.98 | (No Data) | (No Data) | (No Data) | 15112.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 837215 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7341 | Yes | Yes | 2.238 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.68 | 39.68 | 39.68 | 39.68 | 39.68 | 39.68 | No | No | (No Data) | 11608.21 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 0.00 | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months; | (No Data) | (No Data) | (No Data) |
| 838289 | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | xxxxxx | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2763.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.90 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.37

**EXHIBIT 99.37**

**CLAYTON RATING AGENCY GRADES REPORT**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-6** |
| **Start - End Dates:** | **02/28/2025 - 5/22/2025** |
| **Deal Loan Count:** | **114** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *114* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Loan Property Valuations Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 830384 | Yes | xxxxxx | Not Applicable D | A | A D | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D | A | A D | A | A |
| 831150 | No | xxxxxx | xxxxxx D A C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A |
| 831291 | No | xxxxxx | xxxxxx D A C | N/A | N/A D C | N/A | N/A | D | A | D | A | C | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A |
| 831329 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 831632 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A C B | C | B C A | C | B |
| 831691 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 831693 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 832328 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 833080 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 833149 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A C B | C | B C A | C | B |
| 833420 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 833762 | Yes | xxxxxx | xxxxxx D A C | B | A D C | B | A | D | A | D | A | C | A | B | A D C | B | A D C | B | A |
| 834513 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834517 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834528 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B |
| 834546 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834547 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834551 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834553 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834555 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834556 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834557 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834558 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834559 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834560 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834562 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834564 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 834565 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834566 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834567 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834568 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834571 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834572 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834574 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834575 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 834576 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834577 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834578 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834579 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 834581 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834582 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834583 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834584 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834586 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834587 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 834588 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834589 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834591 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834592 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834594 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834595 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834596 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 834599 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834601 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834603 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834604 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834605 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834608 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834609 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834612 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 834613 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834614 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834616 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834617 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834622 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834624 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834629 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834630 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834632 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 834633 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834634 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834635 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834636 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834652 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834655 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834660 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 834662 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834663 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834664 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834915 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834919 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 834964 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 835121 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A | C | A | A | A | C | A | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 835314 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 835317 | No | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 836491 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836492 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836494 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A |
| 836495 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A |
| 836496 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836497 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A |
| 836499 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A |
| 836500 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836501 | Yes | xxxxxx | xxxxxx B A | B | B A | B | B | B | B | A | A | A | A | B | B A | B | B A | B | B |
| 836504 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836505 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B |
| 836509 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 836510 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836511 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836513 | Yes | xxxxxx | xxxxxx B A | B | B A | B | B | B | B | A | A | A | A | B | B A | B | B A | B | B |
| 836645 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836660 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836663 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 837056 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837206 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837207 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837209 | Yes | xxxxxx | xxxxxx D B A | D | B D A | D | B | D | B | A | A | B | B | D | B D A | D | B D A | D | B |
| 837210 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837211 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 837212 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837213 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837214 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837215 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838289 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**CLAYTON VALUATIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-6 |
| **Start - End Dates:** | 02/28/2025 - 5/22/2025 |
| **Deal Loan Count:** | 114 |
| **Valuations Summary** | **Valuations Summary** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *Loans in Report:* | *114* |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 830384 | xxxxxx | $0.00 | xxxxxx | 11/15/2024 | xxxxxx | 2055 Ext Only (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/25/2024 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 831150 | xxxxxx | xxxxxx | xxxxxx | 12/18/2024 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 831291 | xxxxxx | $0.00 | xxxxxx | 01/28/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 831329 | xxxxxx | xxxxxx | xxxxxx | 01/31/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 831632 | xxxxxx | $0.00 | xxxxxx | 01/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 831691 | xxxxxx | $0.00 | xxxxxx | 12/02/2024 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/17/2024 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 831693 | xxxxxx | $0.00 | xxxxxx | 01/28/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 832328 | xxxxxx | $0.00 | xxxxxx | 02/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 833080 | xxxxxx | xxxxxx | xxxxxx | 02/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 833149 | xxxxxx | $0.00 | xxxxxx | 02/22/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/10/2025 | xxxxxx | xxxxxx | 4.44% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 833420 | xxxxxx | $0.00 | xxxxxx | 11/24/2024 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/05/2024 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 833762 | xxxxxx | xxxxxx | xxxxxx | 03/14/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834513 | xxxxxx | $0.00 | xxxxxx | 01/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/05/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 834517 | xxxxxx | xxxxxx | xxxxxx | 02/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 834528 | xxxxxx | xxxxxx | xxxxxx | 02/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834546 | xxxxxx | xxxxxx | xxxxxx | 02/07/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/14/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834547 | xxxxxx | $0.00 | xxxxxx | 02/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 834551 | xxxxxx | $0.00 | xxxxxx | 02/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 834553 | xxxxxx | $0.00 | xxxxxx | 02/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834555 | xxxxxx | $0.00 | xxxxxx | 03/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 834556 | xxxxxx | xxxxxx | xxxxxx | 12/05/2024 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 834557 | xxxxxx | xxxxxx | xxxxxx | 12/05/2024 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 834558 | xxxxxx | xxxxxx | xxxxxx | 02/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 834559 | xxxxxx | xxxxxx | xxxxxx | 02/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834560 | xxxxxx | $0.00 | xxxxxx | 03/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 834562 | xxxxxx | xxxxxx | xxxxxx | 03/10/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 834564 | xxxxxx | $0.00 | xxxxxx | 02/19/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834565 | xxxxxx | $0.00 | xxxxxx | 02/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834566 | xxxxxx | $0.00 | xxxxxx | 02/11/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834567 | xxxxxx | xxxxxx | xxxxxx | 02/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834568 | xxxxxx | $0.00 | xxxxxx | 02/28/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834571 | xxxxxx | $0.00 | xxxxxx | 01/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 834572 | xxxxxx | xxxxxx | xxxxxx | 03/05/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834574 | xxxxxx | xxxxxx | xxxxxx | 02/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/05/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834575 | xxxxxx | $0.00 | xxxxxx | 01/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 834576 | xxxxxx | $0.00 | xxxxxx | 02/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 834577 | xxxxxx | $0.00 | xxxxxx | 03/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 834578 | xxxxxx | xxxxxx | xxxxxx | 02/28/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834579 | xxxxxx | $0.00 | xxxxxx | 03/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 834581 | xxxxxx | xxxxxx | xxxxxx | 02/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834582 | xxxxxx | xxxxxx | xxxxxx | 02/24/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834583 | xxxxxx | xxxxxx | xxxxxx | 01/31/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834584 | xxxxxx | $0.00 | xxxxxx | 03/07/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/14/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834586 | xxxxxx | $0.00 | xxxxxx | 03/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834587 | xxxxxx | $0.00 | xxxxxx | 02/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834588 | xxxxxx | $0.00 | xxxxxx | 02/12/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/05/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834589 | xxxxxx | $0.00 | xxxxxx | 02/12/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/05/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834591 | xxxxxx | $0.00 | xxxxxx | 02/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 834592 | xxxxxx | xxxxxx | xxxxxx | 02/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834594 | xxxxxx | $0.00 | xxxxxx | 02/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 834595 | xxxxxx | $0.00 | xxxxxx | 02/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834596 | xxxxxx | $0.00 | xxxxxx | 02/05/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834599 | xxxxxx | xxxxxx | xxxxxx | 02/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834601 | xxxxxx | $0.00 | xxxxxx | 03/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834603 | xxxxxx | $0.00 | xxxxxx | 02/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 834604 | xxxxxx | xxxxxx | xxxxxx | 03/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834605 | xxxxxx | xxxxxx | xxxxxx | 02/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834608 | xxxxxx | xxxxxx | xxxxxx | 02/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 834609 | xxxxxx | $0.00 | xxxxxx | 01/13/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834612 | xxxxxx | xxxxxx | xxxxxx | 02/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834613 | xxxxxx | xxxxxx | xxxxxx | 02/10/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 834614 | xxxxxx | xxxxxx | xxxxxx | 02/24/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834616 | xxxxxx | $0.00 | xxxxxx | 02/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834617 | xxxxxx | $0.00 | xxxxxx | 03/05/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/14/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834622 | xxxxxx | xxxxxx | xxxxxx | 03/06/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 834624 | xxxxxx | $0.00 | xxxxxx | 03/12/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/18/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834629 | xxxxxx | xxxxxx | xxxxxx | 02/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 834630 | xxxxxx | $0.00 | xxxxxx | 02/10/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834632 | xxxxxx | $0.00 | xxxxxx | 12/04/2024 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/28/2025 | xxxxxx | xxxxxx | -3.45% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834633 | xxxxxx | xxxxxx | xxxxxx | 02/28/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834634 | xxxxxx | $0.00 | xxxxxx | 02/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 834635 | xxxxxx | $0.00 | xxxxxx | 03/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 834636 | xxxxxx | $0.00 | xxxxxx | 02/11/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 834652 | xxxxxx | $0.00 | xxxxxx | 02/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 834655 | xxxxxx | $0.00 | xxxxxx | 02/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/21/2025 | xxxxxx | xxxxxx | -7.86% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 834660 | xxxxxx | $0.00 | xxxxxx | 02/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/24/2025 | xxxxxx | xxxxxx | -6.88% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 834662 | xxxxxx | xxxxxx | xxxxxx | 02/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 834663 | xxxxxx | $0.00 | xxxxxx | 02/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834664 | xxxxxx | xxxxxx | xxxxxx | 03/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 834915 | xxxxxx | xxxxxx | xxxxxx | 03/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834919 | xxxxxx | xxxxxx | xxxxxx | 03/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 834964 | xxxxxx | xxxxxx | xxxxxx | 03/18/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 835121 | xxxxxx | $0.00 | xxxxxx | 03/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/27/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 835314 | xxxxxx | xxxxxx | xxxxxx | 03/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 835317 | xxxxxx | xxxxxx | xxxxxx | 03/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/31/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 836491 | xxxxxx | xxxxxx | xxxxxx | 03/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 836492 | xxxxxx | $0.00 | xxxxxx | 02/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 836494 | xxxxxx | xxxxxx | xxxxxx | 01/26/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/27/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 836495 | xxxxxx | xxxxxx | xxxxxx | 03/11/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 836496 | xxxxxx | xxxxxx | xxxxxx | 03/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 836497 | xxxxxx | $0.00 | xxxxxx | 03/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 836499 | xxxxxx | xxxxxx | xxxxxx | 03/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 836500 | xxxxxx | $0.00 | xxxxxx | 03/17/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 836501 | xxxxxx | xxxxxx | xxxxxx | 03/18/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 836504 | xxxxxx | $0.00 | xxxxxx | 03/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 836505 | xxxxxx | $0.00 | xxxxxx | 03/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/01/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 836509 | xxxxxx | $0.00 | xxxxxx | 03/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 836510 | xxxxxx | xxxxxx | xxxxxx | 03/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/28/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 836511 | xxxxxx | xxxxxx | xxxxxx | 03/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 836513 | xxxxxx | xxxxxx | xxxxxx | 03/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 836645 | xxxxxx | $0.00 | xxxxxx | 03/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 836660 | xxxxxx | xxxxxx | xxxxxx | 04/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 836663 | xxxxxx | xxxxxx | xxxxxx | 04/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 05/01/2025 | xxxxxx | xxxxxx | 9.08% | xxxxxx | 94 | xxxxxx | 05/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 837056 | xxxxxx | $0.00 | xxxxxx | 03/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 837206 | xxxxxx | $0.00 | xxxxxx | 02/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 837207 | xxxxxx | $0.00 | xxxxxx | 03/31/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 837209 | xxxxxx | $0.00 | xxxxxx | 03/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  | 03/31/2025 | xxxxxx | xxxxxx | -5.00% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 837210 | xxxxxx | $0.00 | xxxxxx | 03/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 837211 | xxxxxx | $0.00 | xxxxxx | 01/28/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 837212 | xxxxxx | xxxxxx | xxxxxx | 03/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/31/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 837213 | xxxxxx | xxxxxx | xxxxxx | 03/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 837214 | xxxxxx | xxxxxx | xxxxxx | 03/23/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 04/10/2025 | xxxxxx | xxxxxx | -10.58% | xxxxxx | 95 | xxxxxx | 04/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 837215 | xxxxxx | xxxxxx | xxxxxx | 03/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/27/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 838289 | xxxxxx | $0.00 | xxxxxx | 04/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |

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